# EDGAR Filing Document

**Accession Number:** 0001991364
**File Stem:** 0001999371-25-013346
**Filing Date:** 2025-9
**Character Count:** 1731118
**Document Hash:** dedffc3f2b04fa42dd9f11ee46a2c7db
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-013346.hdr.sgml**: 20250916

**ACCESSION NUMBER**: 0001999371-25-013346

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 21

**CONFORMED PERIOD OF REPORT**: 20250916

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20250916

**DATE AS OF CHANGE**: 20250916

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Other/Combined

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06667
- **FILM NUMBER:** 251316583

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Residential Mortgage Acceptance Corp.
- **CENTRAL INDEX KEY:** 0001991364

**ORGANIZATION NAME:**
- **EIN:** 061572996
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179
- **BUSINESS PHONE:** 212-834-4890

**MAIL ADDRESS:**
- **STREET 1:** 383 MADISON AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10179

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-l) for the reporting period _____________ to _____________

Date of Report (Date of earliest event reported) ______________________

Commission File Number of securitizer: ______________________

<br> Central Index Key Number of securitizer: ______________________

___________________________________________________________________________

Name and telephone number, including area code, of the person to<br> contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

☒ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001991364

**Chase Home Lending Mortgage Trust 2025-DRT1**

(Exact name of issuing entity as specified in its charter)<br>

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

Bithun John, (212) 834-4890

Name and telephone number, including area code, of the person to

contact in connection with this filing.

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by**

**the Issuer**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

**EXHIBIT INDEX**

Exhibit Number

99.1 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

[Schedule 1 - Executive Summary](ex99-1s1.htm)

[Schedule 2 - Rating Agency Grades](ex99-1s2.htm)

[Schedule 3 - Exception Grades](ex99-1s3.htm)

[Schedule 4 - Valuation Report](ex99-1s4.htm)

[Schedule 5 - Data Compare Summary](ex99-1s5.htm)

[Schedule 6 - Data Compare Report](ex99-1s6.htm)

99.2 Disclosures required by Rule 15Ga-2 for Digital Risk, LLC

[Schedule 1 - Executive Summary](ex99-2s1.htm)

[Schedule 2 - Data Integrity Report](ex99-2s2.htm)

[Schedule 3 - Rebuttal Findings Report](ex99-2s3.htm)

[Schedule 4 - Rating Agency Report](ex99-2s4.htm)

[Schedule 5 - Valuation Report](ex99-2s5.htm)

99.3 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

[Schedule 1 - Executive Summary](ex99-3s1.htm)

[Schedule 2 - Exception Report](ex99-3s2.htm)

[Schedule 3 - Rating Agency Grades](ex99-3s3.htm)

[Schedule 4 - Valuation Report](ex99-3s4.htm)

[Schedule 5 - Data Compare Report](ex99-3s5.htm)

 **SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Date: September 16, 2025

---

| | |
|:---|:---|
| J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. | J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. |
| (Depositor) | (Depositor) |
| By: | /s/ Bithun John |
| Name: | Bithun John |
| Title: | President |
|  | (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, N.A. ("**Client**") from September 2024 to May 2025 via files imaged and provided by JPMorgan Chase Bank, N.A. for review (the "**Review**").

The loans in the Review carried origination dates of April 2023 to April 2025.

**(2) Sample size of the assets reviewed.**

The Review was conducted on a total population of one hundred nine (109) loans. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

**(3) Determination of the sample size and computation.**

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original Interest Rate |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Loan Amount |  |

---

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)"), and/or loan-to-value ratios ("LTV(s)") used in the assessment of conformity guidelines.

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

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**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP/Turbo Review** 

When a DU/LP/Turbo form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Turbo were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Turbo in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any

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noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the Client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the Client was notified of such variance and a second independent valuation product was ordered.

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AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

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iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure
 to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure
 to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate
 Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR
 to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points
 and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR
 threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 relevant documentation to determine if compensation to a Loan Originator was based on
 a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note:
 Where available, AMC reviewed the relevant documents in the mortgage loan file and, as
 necessary, attempted to obtain the mortgage loan originator compensation agreement and/or
 governing policies and procedures of the mortgage loan originator. In the absence of
 the mortgage loan originator compensation agreement and/or governing policies and procedures,
 AMC's review was limited to formal general statements of entity compliance provided
 by the mortgage loan originator, if any. These statements, for example, were in the form
 of a letter signed by the seller correspondent/mortgage loan originator or representations
 in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage
 loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the terms of the mortgage loan require arbitration or any other non-judicial procedure
 to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review
 changes disclosed on the last GFE provided to the borrower(s) to determine that such
 changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm
 that the list of homeownership counselling organizations was obtained no earlier than
 30 days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

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iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm
 that each revised LE is accompanied by valid written documentation explaining the reason
 for re-disclosure to allow for fee increases based on a valid change of circumstance
 and was timely provided within 3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify
 tolerance violations based on the charges disclosed on the initial and interim LE's,
 initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm
 the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage
 loan file contains documentary evidence that the disclosure was provided to the borrower;
 and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified
 Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
 by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and
 the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence

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findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

---

---

| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing
 and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing

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instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting
 summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Sales
 contract;

&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard
 and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;■ Copy
 of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary
 Title;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ Right
 of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed
 of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible
 Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA
 disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;■ Notice
 of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;■ HUD
 from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;■ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;■ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;■ Closing
 Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;■ Certain
 other disclosures related to the enumerated tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

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**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), Moody's Investors Service, Inc. ("Moody's"), and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY** 

There were one hundred nine (109) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, eighty-six (86) loans had an Overall loan grade of "A", and twenty-three (23) loans had an Overall loan grade of "B".

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception**<br> **Type** | &nbsp;&nbsp;**Exception**<br> **Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| Compliance | 2 | TRID Defect | 15 |
| Compliance | 2 | ATR/QM Defect | 3 |
| Compliance | 2 | ***Total Compliance Grade (B) Exceptions:*** | ***18*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **18** |
| Credit | 2 | Guideline | 22 |
| Credit | 2 | ***Total Credit Grade (B) Exceptions:*** | ***22*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **22** |

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| | |
|:---|:---|
| **Total Property Exceptions:** | **0** |
| **Grand Total:** | **40** |

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**COMPLIANCE RESULTS SUMMARY**

Of the one hundred nine (109) loans reviewed, under the applicable NRSRO grading criteria, one hundred three (103) loans had a Compliance Review "A" grade, and six (6) loans had a Compliance Review "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;103 | &nbsp;&nbsp;94.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;5.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one hundred nine (109) loans reviewed, under the applicable NRSRO grading criteria, all the loans had a Property Review "A" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Of the one hundred nine (109) loans reviewed, under the applicable NRSRO grading criteria, eighty-nine (89) loans had a Credit Review "A" grade, and twenty (20) loan had a Credit Review "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;81.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;18.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred nine (109) mortgage loan reviewed, there were forty-six (46) loans (42.20%) loan with tape discrepancies across eight (8) unique data fields. The most common tape discrepancies were Initial Rate Lock Date (32.11%), Contract Sales Price (4.59%), and Investor: Qualifying Total Debt Ratio (4.59%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With**<br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of**<br> **Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Appraisal Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;109 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;102 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;109 | &nbsp;&nbsp;4.59% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Initial Rate Lock Date | &nbsp;&nbsp;35 | &nbsp;&nbsp;109 | &nbsp;&nbsp;32.11% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;5 | &nbsp;&nbsp;109 | &nbsp;&nbsp;4.59% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;109 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;108 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;109 | &nbsp;&nbsp;2.75% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;109 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;109 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**56** | &nbsp;&nbsp;**2511** | &nbsp;&nbsp;**2.23%** | &nbsp;&nbsp;**109** |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$1280000.00 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;108 | &nbsp;&nbsp;99.08% | &nbsp;&nbsp;$135443643.00 | &nbsp;&nbsp;99.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$136723643.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$136723643.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.59% | &nbsp;&nbsp;$5022650.00 | &nbsp;&nbsp;3.67% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;20 | &nbsp;&nbsp;18.35% | &nbsp;&nbsp;$24332128.00 | &nbsp;&nbsp;17.80% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;79 | &nbsp;&nbsp;72.48% | &nbsp;&nbsp;$100179665.00 | &nbsp;&nbsp;73.27% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.59% | &nbsp;&nbsp;$7189200.00 | &nbsp;&nbsp;5.26% |

---

13 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;109 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$136723643.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;51 | &nbsp;&nbsp;46.79% | &nbsp;&nbsp;$70788450.00 | &nbsp;&nbsp;51.77% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.83% | &nbsp;&nbsp;$1305000.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.67% | &nbsp;&nbsp;$3022427.00 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;11 | &nbsp;&nbsp;10.09% | &nbsp;&nbsp;$10145300.00 | &nbsp;&nbsp;7.42% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;40 | &nbsp;&nbsp;36.70% | &nbsp;&nbsp;$50462466.00 | &nbsp;&nbsp;36.91% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.92% | &nbsp;&nbsp;$1000000.00 | &nbsp;&nbsp;0.73% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original**<br> **Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;97 | &nbsp;&nbsp;88.99% | &nbsp;&nbsp;$124271893.00 | &nbsp;&nbsp;90.89% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;12 | &nbsp;&nbsp;11.01% | &nbsp;&nbsp;$12451750.00 | &nbsp;&nbsp;9.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**109** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$136723643.00** | &nbsp;&nbsp;**100.00%** |

---

\*Tables may not add to 100% due to rounding.

**EXCEPTION DETAIL**

The exception summary below ties to the total number of B and C exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, Moody's, and S&P Exceptions** | **Exception** <br> **Type** | **Total** |
| TRID Final Closing Disclosure Finance Charge | Compliance B | 4 |
| TRID Final Closing Disclosure Amount Financed Test | Compliance B | 3 |
| TRID Final Closing Disclosure Total Of Payments | Compliance B | 2 |
| General QM Provision Investor DTI moderately exceeds Guidelines | Compliance B | 2 |
| General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | Compliance B | 1 |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | Compliance B | 1 |
| TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | Compliance B | 1 |
| TRID Final Closing Disclosure Will Have Escrow Account | Compliance B | 1 |
| TRID Final Closing Disclosure Will Not Have Escrow Account | Compliance B | 1 |
| TRID Final Closing Disclosure PAD Fee | Compliance B | 1 |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | Compliance B | 1 |
| Credit Exception: | Credit B | 18 |
| Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Credit B | 3 |

---

14 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| Guideline Requirement: Total cash-out discrepancy. | Credit | B<sub>1</sub> |

---

15 \| P a g e

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

![](ex99_001.gif)

**Rating Agency Grades**

**Run Date - 9/4/2025 11:48:49 AM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX |  | 3158617537 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617538 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617576 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617580 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617581 |  |  | A | C | A | C | A | B | A | B |  |
| XXXX |  | 3158617583 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617614 |  |  | A | C | A | C | A | B | A | B |  |
| XXXX |  | 3158617786 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617794 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617799 |  |  | B | C | A | C | B | A | A | B |  |
| XXXX |  | 3158617807 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617813 |  |  | A | C | D | D | A | A | A | A |  |
| XXXX |  | 3158617821 |  |  | B | C | A | C | B | A | A | B |  |
| XXXX |  | 3158617822 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617831 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617835 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617940 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158618083 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158618086 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158618098 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158618099 |  |  | C | B | A | C | A | A | A | A |  |
| XXXX |  | 3158618105 |  |  | B | C | A | C | B | A | A | B |  |
| XXXX |  | 3158618108 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158618117 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158618118 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158618125 |  |  | C | C | A | C | B | A | A | B |  |
| XXXX |  | 3158618127 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158618129 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158618132 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617755 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617765 |  |  | C | C | A | C | B | B | A | B |  |
| XXXX |  | 3158617950 |  |  | C | A | A | C | A | A | A | A |  |
| XXXX |  | 3158618035 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617760 |  |  | B | C | A | C | B | A | A | B |  |
| XXXX |  | 3158617768 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617829 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617953 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617957 |  |  | B | C | D | D | B | A | A | B |  |
| XXXX |  | 3158617772 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617779 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617960 |  |  | C | C | A | C | B | A | A | B |  |
| XXXX |  | 3158618253 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617849 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617857 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617855 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617649 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617660 |  |  | C | B | A | C | A | A | A | A |  |
| XXXX |  | 3158617699 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617335 |  |  | C | A | A | C | A | A | A | A |  |
| XXXX |  | 3158617338 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617339 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617340 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617347 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617348 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617349 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617353 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617354 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617355 |  |  | A | B | D | D | A | A | A | A |  |
| XXXX |  | 3158617358 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617359 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617361 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617362 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617363 |  |  | C | B | A | C | A | A | A | A |  |
| XXXX |  | 3158617387 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617402 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617405 |  |  | A | B | A | B | A | B | A | B |  |
| XXXX |  | 3158617407 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617436 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158618147 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158618154 |  |  | B | B | A | B | B | B | A | B |  |
| XXXX |  | 3158618206 |  |  | B | B | A | B | B | B | A | B |  |
| XXXX |  | 3158618228 |  |  | B | B | A | B | B | A | A | B |  |
| XXXX |  | 3158618252 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158618259 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617694 |  |  | D | C | A | D | A | A | A | A |  |
| XXXX |  | 3158617858 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617688 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617689 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617704 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617706 |  |  | C | A | A | C | A | A | A | A |  |
| XXXX |  | 3158617718 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617729 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617738 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617743 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617891 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617910 |  |  | B | A | A | B | B | A | A | B |  |
| XXXX |  | 3158617713 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617715 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617726 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617728 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617735 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617736 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617741 |  |  | B | A | A | B | A | A | A | A |  |
| XXXX |  | 3158617774 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617902 |  |  | B | C | A | C | B | A | A | B |  |
| XXXX |  | 3158617913 |  |  | A | A | C | C | A | A | A | A |  |
| XXXX |  | 3158617916 |  |  | C | A | A | C | A | A | A | A |  |
| XXXX |  | 3158617920 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617931 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617725 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617739 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617746 |  |  | C | C | A | C | A | A | A | A |  |
| XXXX |  | 3158617749 |  |  | A | C | A | C | A | A | A | A |  |
| XXXX |  | 3158618051 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617747 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617748 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617752 |  |  | A | A | A | A | A | A | A | A |  |
| XXXX |  | 3158617753 |  |  | A | B | A | B | A | A | A | A |  |
| XXXX |  | 3158617754 |  |  | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

![](ex99_001.gif)

**Exception Grades**

**Run Date - 9/4/2025 11:48:49 AM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX |  | 3158617538 |  | 31652719 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2024-09-18): proof of disclosure recieipt received<br>Buyer Comment (2024-09-18): See attached Document tracking for the ARM Disclosure. | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617576 |  | 31694658 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of employment history. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-20): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/20/2024 | 2 B |  | TX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617580 |  | 31707999 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of Collateral . Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-23): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/23/2024 | 2 B |  | FL | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617581 |  | 31652700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed Total of Finance charge page (5) is $[Redacted] . Due diligence finance charges are $[Redacted] .There is a variance in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-01-22): client accepts EV3 condition<br>Buyer Comment (2025-01-22): EV3 accepted.<br>Reviewer Comment (2024-09-18): SitusAMC received rebuttal on ARM index rate for calculation. Upon further analysis it appears lender did not round the ARM payment adjustment to the nearest .[Redacted]% for amortization and total payment calculations. Lender Compliance report reflects Payment amount of $[Redacted] and SAMC has calculated at $[Redacted] which is [Redacted]%, rounded to nearest .[Redacted]% from the [Redacted] calculation ([Redacted]% index + [Redacted]% margin rounded - which would be rounded up to nearest .[Redacted]%) Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing.<br>Buyer Comment (2024-09-17): Do not concur; ARM Index Rate is [Redacted]% pass results Mavent attached |  |  | 01/22/2025 | 2 C B |  | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617581 |  | 31652701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Final Closing Disclosure provided on [Redacted] disclosed Total of Finance charge page (5) is $[Redacted] . Due diligence finance charges are $[Redacted] .There is a variance in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-01-22): client accepts EV3 condition<br>Buyer Comment (2025-01-22): EV3 accepted.<br>Reviewer Comment (2024-09-18): SitusAMC received rebuttal on ARM index rate for calculation. Upon further analysis it appears lender did not round the ARM payment adjustment to the nearest .[Redacted]% for amortization and total payment calculations. Lender Compliance report reflects Payment amount of $[Redacted] and SAMC has calculated at $[Redacted] which is [Redacted]%, rounded to nearest .[Redacted]% from the [Redacted] calculation ([Redacted]% index + [Redacted]% margin rounded - which would be rounded up to nearest .[Redacted]%) Cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[Redacted] and proof of mailing.<br>Buyer Comment (2024-09-17): Do not concur; ARM Index Rate is [Redacted]% pass results Mavent attached |  |  | 01/22/2025 | 2 C B |  | TX | Primary | Purchase | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617583 |  | 31652674 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Processing Fee increased from $[Redacted] to $[Redacted], an increase of $[Redacted], a valid Changed Circumstance document is missing. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-13): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617583 |  | 31652675 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Services Fees increased from $[Redacted] to $[Redacted], an increase of $[Redacted] without a changed circumstance document in file. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-13): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | MI | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617614 |  | 31669479 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed Amount Financed is $[Redacted]. Due Diligence Amount Financed is $[Redacted]. There is a variance of -$[Redacted]. Exception Cured by Post-Close Closing Disclosure issued [Redacted] |  |  |  | Reviewer Comment (2024-09-17): Cured post close, PCCD, check, LOE and proof of mailing in file. |  | XXXX |  | 2 C B |  | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617614 |  | 31669480 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed Finance Charge is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of -$[Redacted]. Exception Cured by Post-Close Closing Disclosure issued [Redacted] |  |  |  | Reviewer Comment (2024-09-17): Cured post close, PCCD, check, LOE and proof of mailing in file. |  | XXXX |  | 2 C B |  | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617614 |  | 31669481 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | Disclosed Total of Payments is $[Redacted]. Due Diligence Total of Payments is $[Redacted]. There is a variance of -$[Redacted]. Exception Cured by Post-Close Closing Disclosure issued [Redacted] |  |  |  | Reviewer Comment (2024-09-17): Cured post close, PCCD, check, LOE and proof of mailing in file. |  | XXXX |  | 2 C B |  | MD | Primary | Purchase | 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 (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617786 |  | 31710401 |  | Compliance | Compliance | Federal Compliance | TILA | 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. | CHARM Booklet/receipt dated [Redacted] was not provided to the borrower within three ([Redacted]) days of application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-25): proof of CHARM booklet provided within [Redacted] days of app date has been received<br>Buyer Comment (2024-09-25): Please see document ID XXXX dated [Redacted] | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617794 |  | 31684903 |  | Compliance | Compliance | Federal Compliance | RESPA | 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. | Missing List of Homeownership Counseling Organizations provided to Borrower(s). |  |  |  | Reviewer Comment (2024-09-23): disclosure received<br>Buyer Comment (2024-09-23): Do not Concur. Homeownership Counseling is already in file | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617794 |  | 31684951 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Conur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617794 |  | 31684981 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing verification sale of [Redacted] departure residence sold prior to [Redacted] documenting sale, payoff of [Redacted] loan and net proceeds to be applied toward subject transaction. Closing Statement in file dated [Redacted] is an estimate. |  |  |  | Reviewer Comment (2024-09-23): closing statement received<br>Buyer Comment (2024-09-23): HUD | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617794 |  | 31685025 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617794 |  | 31685026 |  | Compliance | Compliance | Federal Compliance | TRID | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-19): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617799 |  | 31667557 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Waterfall condition for Initial Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. [Redacted] has incorrect App date | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617799 |  | 31667558 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three ([Redacted]) days of application. | Waterfall condition for Initial Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. [Redacted] has incorrect App date | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617799 |  | 31667583 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA 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 [Redacted] days of the loan application date. | Waterfall condition for Initial Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted]. [Redacted] has incorrect App date | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617799 |  | 31667977 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([Redacted]) business days of application. | Initial Loan Estimate issued on [Redacted] not delivered or placed in the mail to Borrower within three ([Redacted]) business days of application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617799 |  | 31667992 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Lender Credits. Final Lender Credit of -$[Redacted] exceeds tolerance of -$[Redacted], a difference of $[Redacted]. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-17): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617799 |  | 31700417 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for employment history, starting a new job. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-20): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/20/2024 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617807 |  | 31700595 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617807 |  | 31700596 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee amount increased on Initial CD issued [Redacted] with no valid Change of Circumstances evident. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2024-09-24): [Redacted] Received Valid COC.<br>Buyer Comment (2024-09-23): Do not concur. Valid CIC for purchase price occurred on [Redacted]. Lev3 disclosed timely same day. | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617807 |  | 31700884 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA Verification for [Redacted] |  |  |  | Reviewer Comment (2024-09-24): LOX and HOA check received<br>Buyer Comment (2024-09-24): lox from customer on the HOA and copy of the check attached<br>Buyer Comment (2024-09-24): ck<br>Buyer Comment (2024-09-24): lox | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617813 |  | 31652827 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2024-09-18): CDA received | XXXX |  |  | 1 D A |  | FL | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617813 |  | 31666662 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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. | Earliest disclosure issued [Redacted] after application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-20): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-20): Do not concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617821 |  | 31655785 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-09-23): [Redacted] received documentation of application date.<br>Buyer Comment (2024-09-20): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617821 |  | 31655786 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee increased from $[Redacted] to $[Redacted], an increase of $[Redacted], without a valid Changed Circumstance form in file. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-24): Sufficient cure provided at closing.<br>Buyer Comment (2024-09-20): Do not Concur. Ten percent baseline is $[Redacted]+[Redacted]=[Redacted] Actual charged is $[Redacted]. A difference of [Redacted] which was already cured at closing | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617821 |  | 31655787 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $[Redacted] to $[Redacted] an increase of $[Redacted], without a valid changed circumstance form in file. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-24): [Redacted] received valid rate lock document<br>Buyer Comment (2024-09-20): Do not concur. Valid CICs for InitLock and LnPoints occurred on [Redacted]. CDv1 disclosed timely same day. | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617821 |  | 31655796 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate, fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]. |  |  |  | Reviewer Comment (2024-09-23): Upon further review amount financed was correctly disclosed to consumer<br>Buyer Comment (2024-09-20): Do not Concur. [Redacted] is using a section H fee- common charges $[Redacted] in the calculations. This section H fee should not be included | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617821 |  | 31655797 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. |  |  |  | Reviewer Comment (2024-09-23): Upon further review finance charge was correctly disclosed to consumer<br>Buyer Comment (2024-09-20): Do not Concur. [Redacted] is using a section H fee- common charges $[Redacted] in the calculations. This section H fee should not be included | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617821 |  | 31675390 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for single entity ownership of the project. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-18): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/18/2024 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617821 |  | 31718283 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2024-09-24): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617831 |  | 31652761 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2024-09-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617835 |  | 31657137 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-09-19): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-19): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617835 |  | 31657139 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Initial Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. ARM loan program disclosure not provided to the borrower within three ([Redacted]) days of application. |  |  |  | Reviewer Comment (2024-09-19): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-19): Do not concur. Loan was HBA or "Credit Only" up until [Redacted] . Arm Disclosures already in file XXXX and XXXX. Both within 3 days of Application dated [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618083 |  | 31675685 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of Request for credit history due to no current lease on residence is approved as presented. Exceptions approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-24): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/24/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618086 |  | 31658218 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-09-25): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-25): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618086 |  | 31658219 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten percent tolerance violation. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. A cure of $[Redacted] was provided. |  |  |  | Reviewer Comment (2024-09-16): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618099 |  | 31651438 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date.<br> Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] |  |  |  | Reviewer Comment (2024-09-20): updated HOI policy received with start date on [Redacted]<br>Buyer Comment (2024-09-20): Do Not Agree, HOI effective date is [Redacted] | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618099 |  | 31651460 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of the 1003 Final. |  |  |  | Reviewer Comment (2024-09-17): final 1003 in file | XXXX |  |  | 1 C A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618099 |  | 31651527 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file is missing a copy of the FACTA . |  |  |  | Reviewer Comment (2024-09-19): FACTA disclosure received<br>Buyer Comment (2024-09-19): Do not Concur. Facta disclosures imaged. Please see attached | XXXX |  |  | 1 B A |  | TX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618105 |  | 31655810 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of Customer had a modification in [Redacted] on a Rental Property they own in [Redacted] which included a Principal Forgiveness back in [Redacted]. Exceptions approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-18): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/18/2024 | 2 B |  | ID | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618105 |  | 31655830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-09-20): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-20): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | ID | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618105 |  | 31655831 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2024-09-16): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | ID | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618108 |  | 31666848 |  | Compliance | Compliance | Federal Compliance | TRID | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-09-17): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618108 |  | 31694576 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2024-09-24): FACTA disclosure received | XXXX |  |  | 1 B A |  | OH | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618117 |  | 31663299 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | The file is missing a copy of the FACTA Disclosure. |  |  |  | Reviewer Comment (2024-09-24): FACTA disclosure received | XXXX |  |  | 1 B A |  | CA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618117 |  | 31663300 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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. | The initial Loan Estimate was issued on [Redacted], which is more than 3 business days after the application date ([Redacted]). The property was not identified on [Redacted], however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-09-25): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-25): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618117 |  | 31663302 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted] . Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure both tolerance issues. |  |  |  | Reviewer Comment (2024-09-26): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2024-09-25): Do not Concur. Ten percent Baseline $[Redacted]+$[Redacted]=$[Redacted]Actually charged $[Redacted] A difference of $[Redacted] which is already cured at closing | XXXX |  |  | 1 C A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618117 |  | 31663303 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . No valid Change of Circumstance found in file and the cure provided at closing was not sufficient to cure both tolerance issues. |  |  |  | Reviewer Comment (2024-10-02): [Redacted] received additional information and valid changed circumstance for lock and program lock which no allowe PIW<br>Buyer Comment (2024-10-02): Please see document ID [Redacted] . The top of page 1 shows Appraisal Waiver Eligible under Collateral R&W Relief. The lower half of page 2 shows Date/Time Requested and Assessed both on [Redacted] in the Transaction Details. The bottom if Page 3 shows the Code of [Redacted] with a message of "Loan is eligible for collateral representation and warranty relief with an appraisal waiver through [Redacted]. The submitted value estimate or purchase price is accepted as the value of the subject property; an appraisal is not required and Seller will be relieved of representations and warranties related to value, condition and marketability. If an appraisal is obtained, it must be submitted to the UCDP, and the associated loan will not be eligible for the appraisal waiver." and code [Redacted] with a message of "This loan is eligible for an appraisal waiver. If the waiver is not accepted an appraisal is required."<br>Reviewer Comment (2024-10-02): [Redacted] received snips for program change and also commentary that initially loan was approved for PIW. However, as per previously approved AUS (DU and LP) available in file that shows loan is not eligible for Appraisal Waiver as address of the property could not be standardized. Please provide evidence for loan was PIW at the time of initial LE or cure will be required.<br>Buyer Comment (2024-09-30): Loan had been approved for PIW at the time of application. Appraisal fee of $[Redacted]did not exist due to PIW. Loan product changed from Agency to Non-Agency [Redacted] due to change in amortization from Fixed to ARM at the borrower's request. When product changed to Non-Agency [Redacted] the loan was no longer eligible for PIW. Appraisal fee of $[Redacted] was added to the loan and disclosed on LE V3 [Redacted], same day as product/amortization change and PIW loss.<br>Reviewer Comment (2024-09-30): [Redacted] received rebuttal comment, but there seems to be no appraisal waiver (PIW) document in the loan file for review. Provide documentation of timeline and to provide information supporting lender's knowledge of when they became aware of the fee or Cure is due to borrower.<br>Buyer Comment (2024-09-26): Loan had been approved for an ACE appraisal waiver. Loan product changed from Agency to Non-Agency [Redacted], causing the ACE appraisal waiver eligibility to be lost. Appraisal fee was added and disclosed on [Redacted]<br>Reviewer Comment (2024-09-26): [Redacted] received rebuttal comment with screen print. Provide additional information on why this appraisal fee was unknown at time of initial LE on [Redacted], but then determine to be needed on [Redacted]. Document when/why lender became aware of the appraisal is needed or Cure would be due to borrower.<br>Buyer Comment (2024-09-25): Do not Concur. Appraisal was conditioned for by the UW, the customers signed a Fair Appraisal act addm, and valid CICs occurred on [Redacted] and LEv3 disclosed same day | XXXX |  |  | 1 C A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618117 |  | 31799409 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing |  |  |  | Reviewer Comment (2024-10-02): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618125 |  | 31674627 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title coverage is less than Original Loan amount based on Title Commitment and Final Title is not in file. |  |  |  | Reviewer Comment (2024-10-10): title policy received<br>Buyer Comment (2024-10-09): [Redacted] received post close | XXXX |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618125 |  | 31674653 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA doc is missing for this REO |  |  |  | Reviewer Comment (2024-09-25): HOA documentation received<br>Buyer Comment (2024-09-25): hoa attached | XXXX |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618125 |  | 31674716 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. |  |  |  |  | Reviewer Comment (2024-09-26): waiver and proof of appraisal delivery received<br>Buyer Comment (2024-09-25): Do not concur - E-consent obtained for Borrower [Redacted]. Valuation dated [Redacted] was sent to the borrower [Redacted] [Redacted] via [Redacted] [Redacted] and received/viewed by the Borrower on [Redacted], which is prior to consummation date of [Redacted]. Borrower also chose to waive the 3-day review period on [Redacted], more than 3 days prior to consummation | XXXX |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618125 |  | 31674720 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  | Reviewer Comment (2024-09-25): Product was fixed-rate until changed to ARM [Redacted]. | XXXX |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618125 |  | 31674721 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  | Reviewer Comment (2024-09-25): Product was fixed-rate until changed to ARM [Redacted].<br>Buyer Comment (2024-09-25): Product was fixed-rate until changed to ARM [Redacted]. Please see doc ID [Redacted] dated [Redacted] | XXXX |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618125 |  | 31710417 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of Collateral. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-09-24): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 09/24/2024 | 2 B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618127 |  | 31675872 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | $[Redacted] Recording fee amount disclosed in Final CD issued [Redacted] with no valid Change of Circumstance evident. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2024-09-24): [Redacted] received VCC dated [Redacted] for change in program.<br>Buyer Comment (2024-09-20): [Redacted]-Do not concur. Valid CICs of Product and Amortchg occurred on [Redacted]. Lev3 disclosed timely on [Redacted]. No cure required | XXXX |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618129 |  | 31667130 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  | Reviewer Comment (2024-09-24): FACTA disclosure received | XXXX |  |  | 1 B A |  | MD | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618129 |  | 31667200 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-09-25): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-09-25): Do not concur. Loan was HBA "Credit Only" until Sales Contract received [Redacted]. Loan flipped to Purchase with Property [Redacted]. LE Required Date [Redacted]. LE Issued [Redacted] | XXXX |  |  | 1 C A |  | MD | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31655842 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets of $[Redacted]. With funds required to bring to closing of $[Redacted], plus an appraisal fee of $[Redacted] POC, Plus down payment of $[Redacted] plus deposit of $[Redacted] total funds to be verified is $[Redacted]. Additionally guidelines require [Redacted] months of reserves for this loan and zero(0) months of reserves verified. The file does contain a gift letter; however these funds were not on the final 1003 and there is no documentation in the file that they were ever received by the borrower. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): Attached the gift letter for [Redacted] and the wire for the gift from his father.<br>Buyer Comment (2024-09-25): wire at closing<br>Buyer Comment (2024-09-25): gift letter<br>Buyer Comment (2024-09-25): asset | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31656001 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure is missing. |  |  |  | Reviewer Comment (2024-09-20): FACTA disclosure received<br>Buyer Comment (2024-09-20): Do not Concur. Facta imaged. Please see attached | XXXX |  |  | 1 B A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31656006 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure is missing. ARM Disclosure was not signed by Borrower reflecting Charm Booklet was received. |  |  |  | Reviewer Comment (2024-09-20): proof of booklet sent to borrower has been received<br>Buyer Comment (2024-09-20): Do not Concur. Signed Arm disclosure is in file | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31675811 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets of $[Redacted]. With funds required to bring to closing of $[Redacted], plus an appraisal fee of $[Redacted] POC, Plus down payment of $[Redacted] plus deposit of $[Redacted] total funds to be verified is $[Redacted]. Additionally guidelines require 6 months of reserves for this loan and zero(0) months of reserves verified. The file does contain a gift letter; however these funds were not on the final 1003 and there is no documentation in the file that they were ever received by the borrower. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): Documents attached | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31675905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to loan being short documented funds to close and cover required reserves, resulting in a Loan Designation discrepancy. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): documents attached | XXXX |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618132 |  | 31675906 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to loan being short documented funds to close and cover required reserves. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): documents attached | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31676588 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to loan being short documented funds to close and cover required reserves. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): documents attached | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618132 |  | 31676610 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file is short documented assets to close and meet reserve requirement. |  |  |  | Reviewer Comment (2024-09-25): gift funds letter and wire info received<br>Buyer Comment (2024-09-25): documents attached | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617755 |  | 31861685 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was not delivered or placed in the mail to Borrower(s) within three (3) business days of the initial loan application dated [Redacted]. |  |  |  | Reviewer Comment (2024-10-17): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-17): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | MT | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617765 |  | 31861485 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing HOA Verification for departure residence. |  |  |  | Reviewer Comment (2024-10-18): proof property sold has been received<br>Buyer Comment (2024-10-18): Property has sold<br>Buyer Comment (2024-10-18): Proof the other property has sold | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617765 |  | 31861585 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Amount Financed disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. |  |  |  | Reviewer Comment (2024-10-22): Cure docs received<br>Buyer Comment (2024-10-21): Please see attached PCCD and refund |  | XXXX |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617765 |  | 31861586 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Finance Charge disclosed on Final Closing Disclosure is $[Redacted]. Due Diligence Finance Charge is $[Redacted]. There is a variance of $[Redacted]. |  |  |  | Reviewer Comment (2024-10-22): Cure docs received |  | XXXX |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617765 |  | 31861587 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-10-16): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-16): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617765 |  | 31861589 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-09): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617765 |  | 31901759 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exceptions of DTI exceeding [Redacted]% program guideline. Exceptions approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-14): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/14/2024 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617765 |  | 31901802 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to lender exceptions of DTI exceeding [Redacted]% program guideline. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-14): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/14/2024 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617765 |  | 31905006 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception related to product/program restrictions and allowing the exclusion of a co-signed mortgage . Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-14): Universal Product Exception Form in file for lender exceptions of [Redacted] and [Redacted]. Exception approved, with comp factors. |  |  | 10/14/2024 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617950 |  | 31905346 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2024-10-24): PDI received with inspection date of [Redacted] showing no damage to the property<br>Buyer Comment (2024-10-24): See attached PDI | XXXX |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618035 |  | 31869249 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-09): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618035 |  | 31915079 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-10-21): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-21): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618035 |  | 31915080 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Initial 1003 reflects fixed rate product. No documentation provided to determine date on which program changed to ARM. |  |  |  | Reviewer Comment (2024-10-21): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-21): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618035 |  | 31915081 |  | Compliance | Compliance | Federal Compliance | TILA | Loan Product Switched From Fixed to ARM | Unable to determine when loan switched from a fixed rate to an adjustable rate due to missing information. | Initial 1003 reflects fixed rate product. No documentation provided to determine date on which program changed to ARM. |  |  |  | Reviewer Comment (2024-10-21): info received | XXXX |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617760 |  | 31924163 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for PAG declined project approved. PDG declined project due to presale, completion percentage and excessive commercial space use. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points.<br>Borrower has been employed in the same industry for more than [Redacted]years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-18): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/18/2024 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617760 |  | 31924396 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [Redacted] business days of application. | Initial Loan Estimate was issued on[Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted] however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-10-23): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-23): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617760 |  | 31928490 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $[Redacted] is less than amount of binding Lender Credit previously disclosed in the amount of -$[Redacted] with no valid Change of Circumstances evident. $[Redacted] Lender credit at closing is insufficient to cure all tolerances. |  |  |  | Reviewer Comment (2024-10-29): [Redacted] received COC for change in loan program due to which lenders portion of transfer tax was removed.<br>Buyer Comment (2024-10-28): Do not concur. The "Lender Credit" of $[Redacted] was actual the Lender's portion of the [Redacted] State Mortgage tax. The loan purpose designation was changed from Purchase to [Redacted]CEMA Purchase [Redacted]. [Redacted]CEMA Purchases do not require [Redacted]State Mortgage Tax. Mortgage Tax was removed altogether on subsequent CD V3 [Redacted].<br>Reviewer Comment (2024-10-28): [Redacted] received rebuttal comment and system snip. However, if the creditor subsequently reduces the specific lender credit by $[Redacted] because the State Transfer taxes decreased by $[Redacted], then the creditor has a zero-tolerance standard violation because, although the amount of the State transfer taxes fee decreased, the amount of the lender credit decreased. (Comment 19(e)(3)(i)-5). Cure would be required. Lender credit is separate fee from Transfer taxes and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing.<br>Buyer Comment (2024-10-25): Do not Concur. [Redacted]-Day commitment expired which caused the expiration CIC. This is valid for change in premium pricing<br>Reviewer Comment (2024-10-24): [Redacted] received lock history for [Redacted], but it doesn't provide what impacted pricing to change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2024-10-23): - Do not Concur. Loan Lock expiration occurred on [Redacted] along with valid CICs of Expiration change, pricing change, and Adj sales price. CDv3 disclosed change in premium pricing timely on [Redacted] | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617760 |  | 31928579 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Increased Recording Fee amount disclosed on Final CD issued [Redacted] with no valid Change of Circumstances evident. $[Redacted] Lender credit at closing is insufficient to cure all tolerances. |  |  |  | Reviewer Comment (2024-10-24): Sufficient cure provided at closing for [Redacted] tolerance<br>Buyer Comment (2024-10-23): Do not Concur. Section E tolerance violation already cured at closing | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617760 |  | 31994609 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-29): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617768 |  | 31932601 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception to allow income calculation to include bonus income at target amount with less than [Redacted]year history. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted]years.<br>Borrower has verified disposable income of at least $[Redacted]<br>Borrower has worked in the same position for more than [Redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-18): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/18/2024 | 2 B |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617829 |  | 31876226 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Total [Redacted]% tolerance fees disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increases and/or disclosure of new fees and there was no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2024-10-25): [Redacted]received COC for change in vesting.<br>Buyer Comment (2024-10-24): Do not Concur. Valid CIC for vesting change occurred on [Redacted] Cdv3 disclosed timely same day | XXXX |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617829 |  | 31876227 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]t Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2024-10-28): [Redacted] received valid COC document<br>Buyer Comment (2024-10-25): Please see attached. The [Redacted]-Day commitment expired which caused the expiration change. This allowed the redisclosed CD timely with the changes in points.<br>Reviewer Comment (2024-10-25): [Redacted]received COC dated [Redacted] for rate lock and dated [Redacted] for change in points. However, the COC dated [Redacted] does not provide any reason why the Discount Points were increased. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2024-10-24): Do not concur. Valid Change in expiration and valid CICs of required fee changes and Loan points occurred on[Redacted] Cdv5 on[Redacted]timely. Also note that [Redacted]is using incorrect baseline for fee. Loan locked on [Redacted] which allowed points to increase to [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617953 |  | 31894783 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: [Redacted]loan program disclosure not provided to the borrower within[Redacted] days of application. | ARM loan program disclosure dated [Redacted] was not provided to the borrower within three (3) days of application. This was the only signed disclosure in file and there was no other documentation in file to evidence receipt of any of the earlier dated copies of the disclosure. |  |  |  | Reviewer Comment (2024-10-24): app package received<br>Buyer Comment (2024-10-24): Do not Concur. Arm disclosure located in App package | XXXX |  |  | 1 C A |  | MO | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617953 |  | 31941152 |  | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on [Redacted], CHARM Booklet, not provided to the borrower within three [Redacted] of application. | Waterfall from ARM Disclosure which includes borrower's receipt of Consumer Handbook on Adjustable Rate Mortgages. |  |  |  | Reviewer Comment (2024-10-24): app package received<br>Buyer Comment (2024-10-24): Do not Concur. Arm disclosure located in App package | XXXX |  |  | 1 C A |  | MO | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617957 |  | 31896080 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2024-10-22): UCDP with acceptable CU risk score received<br>Buyer Comment (2024-10-22): [Redacted] score | XXXX |  |  | 1 D A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617957 |  | 31896108 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA 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 [Redacted] of the loan application date. | Waterfall issue from the Loan Estimate timing issue cited in separate finding as this disclosure is part of the Loan Estimate. |  |  |  | Reviewer Comment (2024-10-24): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-24): Do not concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617957 |  | 31896109 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [Redacted] business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than[Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the Loan Estimate. |  |  |  | Reviewer Comment (2024-10-24): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-24): Do not concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617957 |  | 31896111 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [Redacted]days of application. | Waterfall issue due to Initial Loan Estimate was issued on [Redacted], which was more than[Redacted]business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the Loan Estimate. |  |  |  | Reviewer Comment (2024-10-24): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-24): Do not concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617957 |  | 31947961 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception for length of sel-employment. Exception approved, with comp factors. | Borrower has verified disposable income of at least $[Redacted]<br>Borrower has been employed in the same industry for more than [Redacted]years.<br>Borrower has worked in the same position for more than [Redacted]years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | Universal Product Exception Form in file, exception approved with comp factors | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-21): Universal Product Exception Form in file, exception approved with comp factors |  |  | 10/21/2024 | 2 B |  | CA | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617772 |  | 31887459 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-11): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | NH | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617772 |  | 31887464 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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. | Evidence of actual receipt date of initial Closing Disclosure, issued on [Redacted], is not provided. Default receipt date is [Redacted], which is less than [Redacted] business days prior to the closing date ([Redacted]). |  |  |  | Reviewer Comment (2024-10-29): proof of appraisal delivery received<br>Buyer Comment (2024-10-29): Do not Concur. Initial CD sent via [Redacted] [Redacted] | XXXX |  |  | 1 C A |  | NH | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617772 |  | 31887465 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than [Redacted] business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2024-10-29): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-29): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | NH | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617779 |  | 31886592 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit disclosed as -$[Redacted] on the initial Loan Estimate but disclosed as -$[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for the reduced credit and no evidence of tolerance cure provided. |  |  |  | Reviewer Comment (2024-10-30): [Redacted] Received Valid COC dated XXXX.<br>Buyer Comment (2024-10-29): Do not Concur. Initial Loan locked on [Redacted] with valid CICs of Loan Lock, product, interest rate, and loan points change on [Redacted]. LEv2 disclosed timely same day | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617960 |  | 31959489 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exceptions of PAG decline and thin credit files. Exceptions approved with comp factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-10-24): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 10/24/2024 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617960 |  | 31960343 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus hazard insurance premium of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require 6 months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). Missing: Evidence of receipt of gift funds ($[Redacted], $[Redacted], $[Redacted]); Source of funds for deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]; Source of funds for deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2024-10-29): re-review of asset documentation and deposit sourcing shows sufficient assets in file<br>Buyer Comment (2024-10-29): explanation attached to show all deposits all documents were in the file<br>Buyer Comment (2024-10-29): explanation | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617960 |  | 31960434 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus hazard insurance premium of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Therefore, the file is does not contain sufficient asset documentation for closing funds. Missing: Evidence of receipt of gift funds ($[Redacted], $[Redacted], $[Redacted]); Source of funds for deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]; Source of funds for deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2024-10-29): re-review of asset documentation and deposit sourcing shows sufficient assets in file<br>Buyer Comment (2024-10-29): explanation attached | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617960 |  | 31960472 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to shortage of funds to close and reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2024-10-29): re-review of asset documentation and deposit sourcing shows sufficient assets in file | XXXX |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617960 |  | 31960473 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of funds to close and reserves. |  |  |  | Reviewer Comment (2024-10-29): re-review of asset documentation and deposit sourcing shows sufficient assets in file | XXXX |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617960 |  | 31960533 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-10-23): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617849 |  | 31901372 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA 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. | Waterfall issue from the Loan Estimate timing issue cited in separate finding as this disclosure is part of the Loan Estimate. |  |  |  | Reviewer Comment (2024-10-30): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-30): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 B A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617849 |  | 31901373 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $.[Redacted]. Fees of $[Redacted] for "Title - Obtain/review plot plan" and $[Redacted] for "P&S Review Fee" were included in calculations as it was unclear what these fee were for. Additional information indicating the nature of the fee would be needed for further consideration of not including them. |  |  |  | Reviewer Comment (2024-11-04): Confirmation of charge received from title. <br> Purchase and Sale Agreement Review fee excluded from finance charges.<br>Buyer Comment (2024-11-01): Do not Concur. Per title this was a fee to the office for handling the P&S Agreement for buyers and is not a prepaid fee.<br>Reviewer Comment (2024-10-31): [Redacted] received rebuttal on fees tested as processing fees. Title-Obtain/review plot plan has been removed from calculation. However, [Redacted] is unable to determine the purpose/services provided for the P&S Review Fee in Section H. That fee is in Section H does not exclude it from finance charges and the purpose and services provided determines. Please provide a lender attestation giving the specific purpose & services of the P&S review fee in order to review and test.<br>Buyer Comment (2024-10-30): Do not Concur. [Redacted] is including two fees that are not prepaid fees. The P & S review fee $[Redacted] is a section H fee that is not a prepaid fee. Also the Title-Obtain/review plot plan fee is not a prepaid fee. [Redacted] has both of these fees labled as processing fees. | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617849 |  | 31901374 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Amount Financed of $.[Redacted]. Fees of $[Redacted] for "Title - Obtain/review plot plan" and $[Redacted] for "P&S Review Fee" were included in calculations as it was unclear what these fee were for. Additional information indicating the nature of the fee would be needed for further consideration of not including them. |  |  |  | Reviewer Comment (2024-11-04): Confirmation of charge received from title. <br> Purchase and Sale Agreement Review fee excluded from finance charges.<br>Buyer Comment (2024-11-01): Do not Concur. Per title this was a fee to the office for handling the P&S Agreement for buyers and is not a prepaid fee.<br>Reviewer Comment (2024-10-31): [Redacted] received rebuttal on fees tested as processing fees. Title-Obtain/review plot plan has been removed from calculation. However, [Redacted] is unable to determine the purpose/services provided for the P&S Review Fee in Section H. That fee is in Section H does not exclude it from finance charges and the purpose and services provided determines. Please provide a lender attestation giving the specific purpose & services of the P&S review fee in order to review and test.<br>Buyer Comment (2024-10-30): Do not Concur. [Redacted] is including two fees that are not prepaid fees. The P & S review fee $[Redacted] is a section H fee that is not a prepaid fee. Also the Title-Obtain/review plot plan fee is not a prepaid fee. [Redacted] has both of these fees labled as processing fees. | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617849 |  | 31901379 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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. | Loan Estimate dated [Redacted] was not delivered to the borrower(s) within three (3) business days of application. |  |  |  | Reviewer Comment (2024-10-30): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-10-30): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617849 |  | 31901380 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee Total disclosed on Initial Loan Estimate dated [Redacted] in the amount of $[Redacted] but disclosed as $[Redacted] on the final Closing Disclosure dated [Redacted]. File does not contain a valid Change of Circumstance for this fee; however, a cure was provided in the amount of $[Redacted] but it was insufficient to cover all of the tolerance issue(s). |  |  |  | Reviewer Comment (2024-10-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617849 |  | 31901485 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | The file is missing the copy of Verification of Non-US Citizen. |  |  |  | Reviewer Comment (2024-10-28): i-94 documentation received<br>Buyer Comment (2024-10-28): Doc attached<br>Buyer Comment (2024-10-28): I-94 | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617857 |  | 31899617 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2024-10-29): PDI received with inspection date of [Redacted], showing no damage to the property<br>Buyer Comment (2024-10-29): Please see attached PDI. | XXXX |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617857 |  | 31899665 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in loan product and was not received by borrower at least three (3) business days prior to consummation | Incomplete Closing Disclosure(s), which appear to have been generated by the closing agent, are included in analysis. The Loan Calculations section on page 5 of the document is blank. The borrower signed the disclosure, thus, it is included in analysis. |  |  |  | Reviewer Comment (2024-10-31): Product is acceptable.<br>Buyer Comment (2024-10-30): Do not concur. CDv4 is a agent closing package only and does not go to the customer. No changes in the loan product on CD issued on the [Redacted] and [Redacted] to the customer. | XXXX |  |  | 1 C A |  | FL | Second Home | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617855 |  | 32044524 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | Reviewer Comment (2024-11-19): flood cert received<br>Buyer Comment (2024-11-19): Please find attached Flood Cert.<br>Reviewer Comment (2024-11-18): flood cert not received, please re-submit<br>Buyer Comment (2024-11-18): Flood Cert provided | XXXX |  |  | 1 C A |  | TN | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617855 |  | 32044558 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase. The cure provided at closing ($[Redacted]) is sufficient to address the violation but is insufficient to address all tolerance violations. |  |  |  | Reviewer Comment (2024-11-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2024-11-14): Do not Concur. Section E violation already cured at closing | XXXX |  |  | 1 C A |  | TN | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617855 |  | 32044559 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed as $[Redacted] on the initial Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. A valid change of circumstance not provided for fee increase and the tolerance cure provided at closing was not sufficient to cure both tolerance issues. |  |  |  | Reviewer Comment (2024-11-18): [Redacted] Received Valid COC dated [Redacted].<br>Buyer Comment (2024-11-14): Do not Concur. Valid CIC for loan amount occurred on [Redacted] and CDv2 disclosed [Redacted] | XXXX |  |  | 1 C A |  | TN | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617855 |  | 32154315 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | TN | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617660 |  | 32141849 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | Reviewer Comment (2024-11-17): PDI showing no damage to the property has been received | XXXX |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617660 |  | 32142598 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2024-11-18): proof of appraisal receipt received<br>Buyer Comment (2024-11-18): Please review POR that was in file at time of review | XXXX |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617335 |  | 32155006 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located 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. |  |  |  | Reviewer Comment (2024-11-18): PDI received with inspection date of [Redacted] showing no damage to the subject property. | XXXX |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617335 |  | 32157358 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 A |  | NC | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617335 |  | 32157359 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 A |  | NC | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617347 |  | 32154885 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than [Redacted] business days prior to Note date ([Redacted]). Neither compliant borrower's acknowledgment of receipt nor waiver of delivery timing requirements provided. |  |  |  | Reviewer Comment (2024-11-20): appraisal receipt received<br>Buyer Comment (2024-11-20): .<br>Buyer Comment (2024-11-20): Please see receipt of the Appraisal. | XXXX |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617348 |  | 32158072 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617348 |  | 32158073 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617353 |  | 32155596 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exceptions of max cash out amount. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CO | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617354 |  | 32157898 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Appraisal sent on [redacted]. A signed delivery timing waiver is provided, however, evidence of actual receipt date is not provided. The Default receipt date is [redacted], which after Note date ([redacted]). |  |  |  | Reviewer Comment (2024-11-20): appraisal receipt received<br>Buyer Comment (2024-11-20): Please review proof of Appraisal receipt to borrower attached | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617355 |  | 32154832 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. |  |  |  | Reviewer Comment (2024-11-20): updated UCDP score of [Redacted] received and is acceptable<br>Buyer Comment (2024-11-20): Please review accepted Secondary valuation-UCDP attached | XXXX |  |  | 1 D A |  | TX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617355 |  | 32156249 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Please review Appraisal Acknowledgment attached- receipt | XXXX |  |  | 1 B A |  | TX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617361 |  | 32155311 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | No documentation in the loan file to evidence receipt of the appraisal by the borrowers. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Please review Appraisal Acknowledgment attached- your receipt of Appraisal report or Alternatively | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617363 |  | 32156380 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Do Not Concur | XXXX |  |  | 1 B A |  | NC | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617363 |  | 32156381 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Do Not Concur - acknowledgement in file | XXXX |  |  | 1 B A |  | NC | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617363 |  | 32156455 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster end date. An end date has not been set. |  |  |  | Reviewer Comment (2024-11-19): PDI received with inspection date of [Redacted] showing no damage to the subject property. | XXXX |  |  | 1 C A |  | NC | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617387 |  | 32155534 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | 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. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Do Not Concur - acknowledgement in file | XXXX |  |  | 1 B A |  | TN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617387 |  | 32155535 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | 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. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Do Not Concur | XXXX |  |  | 1 B A |  | TN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617405 |  | 32155340 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are overdisclosed. | No escrows are collected. Non-escrowed property costs were disclosed in the wrong section on p.4 of the final CD. Data was corrected on the post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2024-11-19): PCCD and LOX in file |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617405 |  | 32155341 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | No escrows are collected. Non-escrowed property costs were disclosed in the wrong section on p.4 of the final CD. Data was corrected on the post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2024-11-19): PCCD and LOX received<br>Reviewer Comment (2024-11-19): PCCD and LOX in file |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617405 |  | 32155343 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | No escrows are collected. Non-escrowed property costs were disclosed in the wrong section on p.4 of the final CD. Data was corrected on the post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2024-11-19): File contained PCCD and LOX to borrower. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617405 |  | 32155344 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | No escrows are collected. Non-escrowed property costs were disclosed in the wrong section on p.4 of the final CD. Data was corrected on the post-closing CD issued on [Redacted]. |  |  |  | Reviewer Comment (2024-11-19): File contained PCCD and LOX to borrower. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617407 |  | 32156612 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Borrower(s) receipt of the Appraisal dated [Redacted] was not provided in the file. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement received<br>Buyer Comment (2024-11-20): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617407 |  | 32156613 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Borrower(s) receipt of the Appraisal/AVM dated [Redacted] was not provided in the file. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement received<br>Buyer Comment (2024-11-20): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 B A |  | CO | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617407 |  | 32156616 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617407 |  | 32156617 |  | Compliance | Compliance | Federal Compliance | TRID | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617436 |  | 32158314 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Neither evidence of delivery of preliminary appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2024-11-20): appraisal acknowledgement form received<br>Buyer Comment (2024-11-20): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 B A |  | IN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617436 |  | 32158315 |  | Compliance | Compliance | Federal Compliance | RESPA | 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 earliest disclosure provided was issued on [Redacted], which is more than 3 business days past the application date of [Redacted]. |  |  |  | Reviewer Comment (2024-11-21): disclosure received<br>Buyer Comment (2024-11-21): Please review uploaded Affiliated Business Arrangement Disclosure from [Redacted] | XXXX |  |  | 1 B A |  | IN | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618147 |  | 32158806 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing required FACTA Disclosure(s). |  |  |  | Reviewer Comment (2024-11-20): FACTA disclosure received<br>Buyer Comment (2024-11-20): Do not Concur. Factas imaged in EIV | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618154 |  | 32157480 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2024-11-20): FACTA disclosure received<br>Buyer Comment (2024-11-20): Do not Concur. Factas imaged in EIV | XXXX |  |  | 1 B A |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618154 |  | 32157729 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618154 |  | 32157731 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exceptions of DTI Ratio. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | AZ | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618206 |  | 32156229 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]. |  |  |  | Reviewer Comment (2024-12-04): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-11-21): SitusAMC received rebuttal that PAD fee should not be included in the finance charge calculation. However, as the PAD is for unknown fees/costs which maybe finance charges & it us included in the calculation until such time that CD is corrected and Final Settlement Statement to match reflects the PAD fee removed and any fees updated accordingly related to this.<br>Buyer Comment (2024-11-20): Do not Concur. AMC is including the $[redacted] Escrow pad fee in section H of the CD in the calculations. This is an optional fee. Amended Escrow instructions were signed explaining these escrow fees. This fee should not be included in the calculation. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618206 |  | 32156230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]. |  |  |  | Reviewer Comment (2024-12-04): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-11-21): SitusAMC received rebuttal that PAD fee should not be included in the finance charge calculation. However, as the PAD is for unknown fees/costs which maybe finance charges & it us included in the calculation until such time that CD is corrected and Final Settlement Statement to match reflects the PAD fee removed and any fees updated accordingly related to this.<br>Buyer Comment (2024-11-20): Do not Concur. AMC is including the $[redacted] Escrow pad fee in section H of the CD in the calculations. This is an optional fee. Amended Escrow instructions were signed explaining these escrow fees. This fee should not be included in the calculation. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618206 |  | 32156232 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [redacted], which was more than three (3) business days after the application date of [redacted]. The property was not identified on [redacted] ; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the Loan Estimate. |  |  |  | Reviewer Comment (2024-11-20): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-11-20): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [redacted] | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618206 |  | 32157271 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of the use of over four (4) Gift fund donors to the borrowers. Exception approved, with comp factors | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618206 |  | 32157320 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618206 |  | 32161819 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the DTI. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted] points.<br>Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted]<br>Borrower has worked in the same position for more than [redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618206 |  | 32161869 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure PAD Fee | TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. | Final Closing Disclosure provided on [redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. |  |  |  | Reviewer Comment (2024-12-04): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2024-12-03): Please see attached PCCD and LOE<br>Reviewer Comment (2024-11-26): SitusAMC received email stating PAD fee refunded to borrower and FSS. As previously stated, please provide a Corrected CD and LOE to borrower updating borrower fees, which would match to the FSS and reflects the removal of the PAD fee.<br>Buyer Comment (2024-11-25): Pad fee was refunded by title company. Please see attached final statement from Title showing a refund on page 2 which includes the $[redacted] pad fee per the email from Title uploaded previously<br>Buyer Comment (2024-11-25): Pad fee was refunded by title company. Please see attached email from Title advising of this<br>Reviewer Comment (2024-11-22): The refundable pad should be included in the finance charges. If the Pad fee was refunded to the consumer, then the lender should provide the post close CD indicating the actual fees on the loan. If the Pad fee was allocated to other charges, then the lender should provide a CD reflecting the other charges the pad fee was allocated to. Titling a fee as a PAD fee does not exclude it from finance charge considerations as the actual service the fee will cover is unknown. (It the Pad fee covers an additional title endorsement, that would not be a finance charge. If it covers a recording service fee or a post closing inspection fee, then it would be a finance charge)<br>Buyer Comment (2024-11-21): Do not Concur. The Escrow Inc Escrow pad fee is a section H fee. Also on the final fee sheet. See attached signed Escrow instructions with the sales contract received on [redacted]. This is an optional fee in section H. No cure due back. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618206 |  | 32161870 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for PAD. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was added on the final Closing Disclosure with no valid Change of Circumstance in file and no evidence of a tolerance cure. |  |  |  | Reviewer Comment (2024-12-04): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2024-11-22): SitusAMC received rebuttal that PAD fee is section H charges, and no cure required. However, as the PAD is for unknown fees/costs which may be used to cover other charges & it us included in the calculation until such time that CD is corrected and Final Settlement Statement to match reflects the PAD fee removed and any fees updated accordingly related to this. If the Pad fee was refunded to the consumer, then the lender should provide the post close CD indicating the actual fees on the loan. If the Pad fee was allocated to other charges, then the lender should provide a CD reflecting the other charges the pad fee was allocated to along with the LOE.<br>Buyer Comment (2024-11-20): Do not Concur. The Escrow Inc Escrow pad fee is a section H fee. Also on the final fee sheet. See attached signed Escrow instructions with the sales contract received on [redacted]. This is an optional fee in section H. No cure due back. |  | XXXX |  | 2 B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618228 |  | 32155477 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the Loan Estimate. |  |  |  | Reviewer Comment (2024-11-21): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2024-11-21): Do not concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618228 |  | 32155479 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158618228 |  | 32159048 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of thin tradelines/credit. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618252 |  | 32158233 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception to the rental history requirements. Exception approved, with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | Universal Product Exception Form in file, exception approved with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2024-11-19): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 11/19/2024 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158618252 |  | 32158236 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-11-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617694 |  | 32451186 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file was missing a copy of the Credit Report. |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 D A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32452468 |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2024-12-27): FACTA disclosure received<br>Buyer Comment (2024-12-27): Please review uploaded FACTA Disclosure. | XXXX |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32452472 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 [Redacted] 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. | The Initial Loan Estimate was delivery electronically prior to the documented eConsent date of [Redacted]. |  |  |  | Reviewer Comment (2024-12-27): eConsent dated [Redacted] received<br>Buyer Comment (2024-12-27): Please review uploaded e-consents from [Redacted] and [Redacted]. | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32452538 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | The origination credit report was missing from the file. |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32482365 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Verification of appraisal was delivered to borrower was not provided |  |  |  | Reviewer Comment (2024-12-27): appraisal acknowledgement form received<br>Buyer Comment (2024-12-27): Please review uploaded appraisal acknowledgement. | XXXX |  |  | 1 B A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32482366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to the missing credit report , resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617694 |  | 32482367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing credit report. |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32482390 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | All other conditions were not met due to the missing credit report , |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617694 |  | 32482395 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the missing credit report. |  |  |  | Reviewer Comment (2024-12-27): CBR received<br>Buyer Comment (2024-12-27): Please review uploaded credit report. | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617858 |  | 32456197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed $-[Redacted] on initial LE but disclosed as $-[Redacted] on Final CD. File does not contain Valid COC for the reduced credot, nor evidence of a cure. |  |  |  | Reviewer Comment (2024-12-31): COC and matching CD received<br>Buyer Comment (2024-12-31): Please see attached CDv4 as requested<br>Reviewer Comment (2024-12-31): [Redacted] received changed circumstance dated [Redacted], but a corresponding CD was not provided within 3 days. Please provide CD for further analysis.<br>Buyer Comment (2024-12-27): Do not Concur. Valid CICs for loan amount, interest rate, and loan points occurred on [Redacted]. CDv4 disclosed timely next day | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617858 |  | 32456201 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): see attached | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617858 |  | 32456202 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [Redacted] days of closing must be provided. |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): uploaded | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617858 |  | 32493194 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to the vvoe for both borrowers not being within the required [Redacted] days of the note date, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): uploaded | XXXX |  |  | 1 B A C |  | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617858 |  | 32493195 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to vvoe for both borrowers not being within the required [Redacted] days of the note date. |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): uploaded | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617858 |  | 32493213 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Income documentation requirements not met due to the vvoe for both borrowers not being within the required [Redacted] days of the note |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): uploaded | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617858 |  | 32493285 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the vvoe for both borrowers not being within the required [Redacted] days of the note date. |  |  |  | Reviewer Comment (2024-12-30): VVOE's received<br>Buyer Comment (2024-12-30): uploaded | XXXX |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617689 |  | 32647108 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | No documentation in file to evidence delivery of the appraisal to the borrowers. |  |  |  | Reviewer Comment (2025-01-23): borrower acknowledgement of appraisal received<br>Buyer Comment (2025-01-23): Do Not Concur - Document in file | XXXX |  |  | 1 B A |  | SC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617689 |  | 32647109 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | No documentation in file to evidence delivery of the appraisal to the borrowers. |  |  |  | Reviewer Comment (2025-01-23): borrower acknowledgement of appraisal received | XXXX |  |  | 1 B A |  | SC | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617706 |  | 32684058 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The Note amount is $[Redacted], and the estimated cost new is not disclosed on the appraisal. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. |  |  |  | Reviewer Comment (2025-01-23): HOI coverage in file is sufficient per appraisal cost new<br>Buyer Comment (2025-01-23): Please refer to appraisal attachment Cost Estimate - Page 1 (XXXX) which states the cost to replace this home with a new home of like kind quality would be $[Redacted].<br>Reviewer Comment (2025-01-23): Guidelines require the lessor or [Redacted]% of the replacement cost value of the improvements or the unpaid principal balance of the loan, provided that it equals no less than [Redacted]% of the replacement cost value of the improvements.<br>Buyer Comment (2025-01-23): if the note amount is [Redacted], and the coverage is $[Redacted] this is more than the Note amount. please cancel this exception | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617706 |  | 32684112 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-22): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617738 |  | 32655881 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-16): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617743 |  | 32684880 |  | Compliance | Compliance | Federal Compliance | TRID | 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 $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-22): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617891 |  | 32655281 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of request for product/program to allow doc waiver for [Redacted] month of residence reference. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-23): Exception approved, with comp factors. |  |  | 01/23/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617910 |  | 32690942 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Product Exception Form in file for lender exception of Tradelines/Thin File. Borrower1 has thin credit lacking required tradelines and history. Borrower2 has sufficient credit history dating back to [Redacted] to offset the lack of credit for borrower1. Exception approved, with comp factors. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Exception approved, with comp factors. | SitusAMC,Originator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-23): Exception approved, with comp factors. |  |  | 01/23/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32851388 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $$[Redacted], plus final inspection fee of $[Redacted] POC, total funds to be verified is $[Redacted]. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to non-borrower funds totaling $[Redacted] with no gift letter(s) documented and unsourced deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2025-02-19): in reviewing the information provided by the client, the loan did have sufficient assets to close in file. now just need sourcing of the $[Redacted] deposit to meet reserve requirements.<br>Buyer Comment (2025-02-19): Please update citing to short reserves due to the unsourced $[Redacted] ([Redacted]) deposit within [Redacted] #[Redacted]. Please note, the deposits within [Redacted] #[Redacted] and [Redacted] #[Redacted] noted as requiring gift letters is not needed. Documentation in file reveals source documentation for repayment of a loan to family. This is supported by formal explanation as well as the copies of cleared checks when the loan was made and non-borrower asset documentation to source repayment (i.e. [Redacted] #[Redacted] and [Redacted] #[Redacted]). Furthermore, the $[Redacted] EMD has been sourced from [Redacted] #[Redacted] on [Redacted]. Copy of cleared check and receipt in file. Reserves will be sufficient upon sourcing of the $[Redacted] ([Redacted]) deposit. With deposit currently backed out of documented assets, reserves fall short of the twelve month PITIA requirement. | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863408 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the appraisal fee of $[Redacted] POC, plus the down payment/deposit of $$[Redacted], plus final inspection fee of $[Redacted] POC, total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are [Redacted] months of reserves verified ($[Redacted]). Shortage is due to unsourced deposit of $[Redacted] to [Redacted] #[Redacted] on [Redacted]. |  |  |  | Reviewer Comment (2025-02-28): sufficient asset documentation has been received<br>Buyer Comment (2025-02-27): Please see attached source statement showing the $[Redacted] large deposit was part of the loan repayment referenced in LOE (XXXX). The repayment of $[Redacted] was repaid as $[Redacted] on [Redacted], $[Redacted] on [Redacted], $[Redacted] on [Redacted] with $[Redacted] remaining balance as referenced in the letter dated [Redacted]. | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863438 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing current paystub for co-borrower. Most recent document provided is for pay period ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-19): co-borrower paystubs received<br>Buyer Comment (2025-02-19): Do not concur - Please see the actual pay date for the following paystubs they are for [Redacted] and [Redacted] | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863439 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing current paystub for co-borrower. Most recent document provided is for pay period ending [Redacted]. |  |  |  | Reviewer Comment (2025-02-19): co-borrower paystubs received<br>Buyer Comment (2025-02-19): Please review remarks from other exception | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863448 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient funds to close and reserves verified. |  |  |  | Reviewer Comment (2025-02-28): sufficient asset documentation has been received<br>Buyer Comment (2025-02-27): Please see attached source statement showing the $[Redacted] large deposit was part of the loan repayment referenced in LOE (XXXX). The repayment of $[Redacted] was repaid as $[Redacted] on [Redacted], $[Redacted] on [Redacted], $[Redacted] on [Redacted] with $[Redacted] remaining balance as referenced in the letter dated [Redacted]. | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to shortage of funds to close and reserves and missing current paystub for co-borrower, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-02-28): sufficient asset documentation has been received<br>Reviewer Comment (2025-02-19): co-borrower paystubs received, still need assets to be addressed<br>Buyer Comment (2025-02-19): Please review remarks from other exception | XXXX |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617713 |  | 32863453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of funds to close and reserves and missing current paystub for co-borrower. |  |  |  | Reviewer Comment (2025-02-28): sufficient asset documentation has been received<br>Reviewer Comment (2025-02-19): co-borrower paystubs received, still need assets to be addressed<br>Buyer Comment (2025-02-19): Please review remarks from other exception | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617713 |  | 32863454 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to shortage of funds to close and reserves and missing current paystub for co-borrower. |  |  |  | Reviewer Comment (2025-02-28): sufficient asset documentation has been received | XXXX |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617726 |  | 32851459 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration |  |  |  | Reviewer Comment (2025-02-21): PDI showing no damage to the property with inspection date of [Redacted] has been received<br>Buyer Comment (2025-02-21): Please review PDI | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617726 |  | 32851488 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Re-Inspection Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-02-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617726 |  | 32851489 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2025-02-20): ARM disclosure provided to borrower timely<br>Buyer Comment (2025-02-20): Do not concur - the ARM disclosure was issued to the borrower on [Redacted] (per print date) the borrower did not sign it until [Redacted] | XXXX |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617726 |  | 32887210 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-19): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617741 |  | 32860926 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted] Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-02-21): final title policy received<br>Buyer Comment (2025-02-21): Please review final title policy | XXXX |  |  | 1 B A |  | AZ | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617774 |  | 32849493 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted] which was more than 3 business days after the application date of [Redacted]. The property was not identified [Redacted].; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2025-02-21): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-02-21): Do not concur. Loan was HBA "Credit Only" until Sales Contract received [Redacted]. Loan flipped to Purchase with Property [Redacted]. LE Required Date [Redacted]. LE Issued [Redacted] | XXXX |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617774 |  | 32849494 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | CT | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617902 |  | 32859867 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Universal Exception approval for product/program restrictions to allow a [Redacted] FTHB on an ARM product while waiving the Homebuyer Counseling and Opt In form. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-20): Universal Product Exception Form in file, exception approved with comp factors. |  |  | 02/20/2025 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617902 |  | 32859878 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Recording Fee Total disclosed on Initial Loan Estimate dated [Redacted] in the amount of $[Redacted] but disclosed as $[Redacted] on the final Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change and the cure provided at closing was not sufficient to cure both tolerance issues. |  |  |  | Reviewer Comment (2025-02-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-02-21): Do not Concur. [Redacted] is incorrect baseline amount for LEv1. Section E tolerance violation already cured at closing | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617902 |  | 32859879 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 $[Redacted] exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection fee disclosed on Initial Loan Estimate dated [Redacted] in the amount of $[Redacted] but disclosed as $[Redacted] on the final Closing Disclosure dated [Redacted]. A valid change of circumstance was not provided for fee change and the cure provided at closing was not sufficient to cure both tolerance issues. |  |  |  | Reviewer Comment (2025-02-23): [Redacted] received a valid COC.<br>Buyer Comment (2025-02-21): Do not Concur. Subject for completion was required. Valid CIC [Redacted] and CDv1 disclosed timely next day | XXXX |  |  | 1 C A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617902 |  | 32915683 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-23): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617913 |  | 32863192 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Secondary appraisal(s) does not support the value used to qualify. The lower value was not checked "Use for LTV". Correct data entry or set exception. Sec ID: 3 |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The data tape indicates the higher appraised value of $[Redacted] was utilized for approval. There is a second appraisal in file with an indicated value of $[Redacted], which is not within [Redacted]% of the higher appraised value. Additionally, there is a CDA associated with the lower appraised value, supporting the value of $[Redacted]. If the lower appraised value is utilized, the LTV exceeds [Redacted]%. |  |  |  | Reviewer Comment (2025-02-26): CDA supporting higher appraisal received<br>Buyer Comment (2025-02-26): Please review CDA | XXXX |  |  | 1 C A |  | IN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617916 |  | 32884756 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing verification of HOA obligations for [Redacted]. |  |  |  | Reviewer Comment (2025-02-24): REO documentation received<br>Buyer Comment (2025-02-24): Documents attached<br>Buyer Comment (2025-02-24): Ins for 7004<br>Buyer Comment (2025-02-24): taxes for 1004<br>Buyer Comment (2025-02-24): HOA | XXXX |  |  | 1 C A |  | FL | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617916 |  | 32884758 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-18): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617920 |  | 32850994 |  | Compliance | Compliance | Federal Compliance | TRID Defect | 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 Loan Estimate was issued on [Redacted], which was more than 3 business days after the application date of [Redacted]. The property was not identified on [Redacted]; however, no documentation was provided to evidence the date of receipt of the required data to trigger the creation of the LE. |  |  |  | Reviewer Comment (2025-02-21): Evidence of when the LE was required to be created and delivered has been received.<br>Buyer Comment (2025-02-21): Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property [Redacted] | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617725 |  | 33080039 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Appraisal sent on [Redacted]. Default receipt date is [Redacted], which is less than [Redacted] business days prior to Note date ([Redacted]). |  |  |  | Reviewer Comment (2025-03-24): proof of appraisal receipt received<br>Buyer Comment (2025-03-24): Please review POR that was in file at time of review | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617725 |  | 33080041 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 130(b) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. |  |  |  |  | Reviewer Comment (2025-03-24): cured prior to DD review<br>Reviewer Comment (2025-03-20): cured prior to DD review | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617725 |  | 33085460 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | The initial disclosure, issued within [Redacted] business days of application, was not signed by borrower(s). |  |  |  | Reviewer Comment (2025-03-24): ABA delivered to borrower in timely manner<br>Buyer Comment (2025-03-24): Please review ABA with e-consent at bottom of page that was in file at time of review | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617739 |  | 33080140 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  | Reviewer Comment (2025-03-24): proof of ARM disclosure delivery is acceptable<br>Buyer Comment (2025-03-24): Do not concur. ARM Disclosure provided [Redacted] coincides with program change from fixed rate on [Redacted] LE to ARM on [Redacted] LE. | XXXX |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617739 |  | 33087757 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-03-20): Sufficient Cure Provided within [Redacted] Days of Closing |  | XXXX |  | 1 A |  | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX |  | 3158617746 |  | 33079833 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | 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 QM (APOR) Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-03-24): asset documentation is sufficient | XXXX |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| XXXX |  | 3158617746 |  | 33084931 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Based on asset documentation in file, verified assets total $[Redacted] . With funds required to bring to closing of $[Redacted] , plus the down payment/deposit of $[Redacted] , plus gift funds of $[Redacted] , total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). Two gift letters are provided in images ($[Redacted]& $[Redacted]), however, no evidence of receipt of funds is provided. |  |  |  | Reviewer Comment (2025-03-24): sufficient asset documentation in file to meet reserve requirements<br>Buyer Comment (2025-03-24): Please see additional summary page of CD ([Redacted]) showing receipt of additional gifts. Also, per UW notes retirement assets were not required to meet reserve requirements making [Redacted] months PITIA applicable for product reserves. | XXXX |  |  | 1 C A |  | UT | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158617746 |  | 33084948 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Neither evidence of delivery of updated appraisal nor compliant acknowledgment of receipt signed at closing provided. |  |  |  | Reviewer Comment (2025-03-24): appraisal acknowledgement form received<br>Buyer Comment (2025-03-24): Do Not Concur - acknowledgement in file | XXXX |  |  | 1 B A |  | UT | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158617746 |  | 33084950 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to shortage of reserves, |  |  |  | Reviewer Comment (2025-03-24): sufficient asset documentation in file to meet reserve requirements | XXXX |  |  | 1 C A |  | UT | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| XXXX |  | 3158617749 |  | 33079143 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-25): appraisal receipt received<br>Buyer Comment (2025-03-25): Appraisal receipt attached | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617749 |  | 33079144 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-25): appraisal receipt received<br>Buyer Comment (2025-03-25): Appraisal receipt attached | XXXX |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617749 |  | 33079148 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  |  |  | Reviewer Comment (2025-03-25): signed ARM disclosure received<br>Buyer Comment (2025-03-25): Proof of ARM Disclosure attached | XXXX |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617753 |  | 33453166 |  | Compliance | Compliance | Federal Compliance | ECOA | 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. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/[Redacted]) |  |  |  | Reviewer Comment (2025-05-15): appraisal receipt received<br>Buyer Comment (2025-05-15): Please review Appraisal receipt attached | XXXX |  |  | 1 B A |  | MD | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX |  | 3158617753 |  | 33453171 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee. |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | XXXX |  | 1 A |  | MD | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

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## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

![](ex99_001.gif)

**Valuation Report**

**Run Date - 9/4/2025 11:48:50 AM** 

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX |  | 3158617537 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.80 |
| XXXX |  | 3158617538 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| XXXX |  | 3158617576 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX |  | 3158617580 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.630% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| XXXX |  | 3158617581 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX |  | 3158617583 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX |  | 3158617614 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617794 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158617799 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617807 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX |  | 3158617813 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| XXXX |  | 3158617821 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158617822 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXXX |  | 3158617831 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| XXXX |  | 3158617835 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.90 |
| XXXX |  | 3158617940 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158618083 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| XXXX |  | 3158618086 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| XXXX |  | 3158618098 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158618099 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 |
| XXXX |  | 3158618105 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| XXXX |  | 3158618108 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX |  | 3158618117 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158618118 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX |  | 3158618125 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX |  | 3158618127 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| XXXX |  | 3158618129 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX |  | 3158618132 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.20 |
| XXXX |  | 3158617755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX |  | 3158617765 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| XXXX |  | 3158617950 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158618035 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| XXXX |  | 3158617760 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617768 |  |  |  |  |  |  |  | 0.690% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.690% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.20 |
| XXXX |  | 3158617829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| XXXX |  | 3158617953 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.90 |
| XXXX |  | 3158617957 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX |  | 3158617772 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 999.00 |
| XXXX |  | 3158617779 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX |  | 3158617960 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158618253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| XXXX |  | 3158617849 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158617857 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.20 |
| XXXX |  | 3158617855 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158617649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXXX |  | 3158617660 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.30 |
| XXXX |  | 3158617699 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.70 |
| XXXX |  | 3158617335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.30 |
| XXXX |  | 3158617338 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX |  | 3158617339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX |  | 3158617340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX |  | 3158617347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX |  | 3158617348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.90 |
| XXXX |  | 3158617353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX |  | 3158617354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX |  | 3158617355 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| XXXX |  | 3158617358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.70 |
| XXXX |  | 3158617359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX |  | 3158617361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| XXXX |  | 3158617362 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX |  | 3158617363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 |
| XXXX |  | 3158617387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX |  | 3158617402 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 |
| XXXX |  | 3158617405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 |
| XXXX |  | 3158617407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 4.80 |
| XXXX |  | 3158617436 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| XXXX |  | 3158618147 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX |  | 3158618154 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| XXXX |  | 3158618206 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| XXXX |  | 3158618228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX |  | 3158618252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158618259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617694 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158617858 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 |
| XXXX |  | 3158617688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| XXXX |  | 3158617689 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| XXXX |  | 3158617704 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX |  | 3158617706 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158617718 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.90 |
| XXXX |  | 3158617729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| XXXX |  | 3158617738 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.70 |
| XXXX |  | 3158617743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX |  | 3158617891 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX |  | 3158617910 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX |  | 3158617713 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| XXXX |  | 3158617715 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX |  | 3158617726 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX |  | 3158617728 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| XXXX |  | 3158617735 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX |  | 3158617736 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| XXXX |  | 3158617741 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.50 |
| XXXX |  | 3158617774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.20 |
| XXXX |  | 3158617902 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.90 |
| XXXX |  | 3158617913 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| XXXX |  | 3158617916 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| XXXX |  | 3158617920 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| XXXX |  | 3158617931 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.90 |
| XXXX |  | 3158617725 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 |
| XXXX |  | 3158617739 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX |  | 3158617746 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| XXXX |  | 3158617749 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| XXXX |  | 3158618051 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| XXXX |  | 3158617747 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.780% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 |
| XXXX |  | 3158617748 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 |
| XXXX |  | 3158617752 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.30 |
| XXXX |  | 3158617753 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.260% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| XXXX |  | 3158617754 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 |

---

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

![](ex99_001.gif)

**Data Compare (Non-Ignored)**

**Run Date - 9/4/2025 11:49:22 AM** 

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX |  | 3158617537 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617580 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| XXXX |  | 3158617581 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
| XXXX |  | 3158617794 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| XXXX |  | 3158617799 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617807 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617821 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617831 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618086 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618098 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618105 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618108 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618117 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
| XXXX |  | 3158618117 |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| XXXX |  | 3158618125 |  |  | Original LTV | 58 | 55.44218 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158618125 |  |  | Original CLTV | 58 | 55.44218 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158618125 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158618125 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618127 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618129 |  |  | Investor: Qualifying Total Debt Ratio | 36.981 | 30.71956 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX |  | 3158617755 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617765 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617760 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158617768 |  |  | Original LTV | 79 | 76.47059 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158617768 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617768 |  |  | Original CLTV | 79 | 76.47059 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158617768 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158617953 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617957 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617779 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618253 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618253 |  |  | Original LTV | 78 | 76.28065 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158618253 |  |  | Original CLTV | 78 | 76.28065 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX |  | 3158618253 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158617849 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617855 |  |  | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX |  | 3158617660 |  |  | Investor: Qualifying Total Debt Ratio | 35.681 | 32.61012 | Verified | Field Value DTI is lower than Tape value due to Lender used higher PITIA than verified by audit. Per guidelines, qualifying rate is Note rate [Redacted]%). Lender's 1008 reflects qualifying rate of[Redacted]%. |
| XXXX |  | 3158617699 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617335 |  |  | Investor: Qualifying Total Debt Ratio | 33.828 | 29.44281 | Verified | Unable to determine difference. DTI on Lender AUS is within 2% of the field value DTI. |
| XXXX |  | 3158617358 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617363 |  |  | Investor: Qualifying Total Debt Ratio | 18.256 | 24.47304 | Verified | Field value DTI is in line with 1008 and AUS in file. |
| XXXX |  | 3158617387 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617407 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617436 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618154 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158618228 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617858 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617704 |  |  | Investor: Qualifying Total Debt Ratio | 35.613 | 39.04504 | Verified | Bid tape DTI and AUS DTI do not appear to include the borrower's student loan payments. DTI on 1008 is in line with Field Value DTI. |
| XXXX |  | 3158617910 |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| XXXX |  | 3158617741 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617774 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617902 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617749 |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
| XXXX |  | 3158618051 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617748 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| XXXX |  | 3158617753 |  |  | Initial Rate Lock Date | [Redacted] | [Redacted] | Verified | Field value reflects source document |

---

## Exhibit 99.1

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

![](ex99_001.gif)

**Data Compare Summary (Total)**

**Run Date - 9/4/2025 11:48:09 AM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| City | 0 | 109 | 0.00% | 109 |
| State | 0 | 109 | 0.00% | 109 |
| Zip | 0 | 109 | 0.00% | 109 |
| Note Date | 1 | 93 | 1.08% | 109 |
| Original Loan Amount | 0 | 109 | 0.00% | 109 |
| Amortization Term | 0 | 108 | 0.00% | 109 |
| Original Interest Rate | 0 | 108 | 0.00% | 109 |
| Borrower Qualifying FICO | 0 | 109 | 0.00% | 109 |
| Coborrower Qualifying FICO | 0 | 70 | 0.00% | 109 |
| Amortization Type | 0 | 109 | 0.00% | 109 |
| Representative FICO | 0 | 109 | 0.00% | 109 |
| Lien Position | 0 | 109 | 0.00% | 109 |
| Occupancy | 0 | 109 | 0.00% | 109 |
| Purpose | 1 | 109 | 0.92% | 109 |
| Appraised Value | 0 | 102 | 0.00% | 109 |
| Contract Sales Price | 5 | 109 | 4.59% | 109 |
| Balloon Flag | 0 | 109 | 0.00% | 109 |
| Original CLTV | 3 | 109 | 2.75% | 109 |
| Original LTV | 3 | 109 | 2.75% | 109 |
| Appraisal Effective Date | 3 | 109 | 2.75% | 109 |
| Investor: Qualifying Total Debt Ratio | 5 | 109 | 4.59% | 109 |
| Initial Rate Lock Date | 35 | 109 | 32.11% | 109 |
| Interest Only | 0 | 65 | 0.00% | 109 |
| Origination Channel | 0 | 80 | 0.00% | 109 |
| Appraisal Date | 0 | 3 | 0.00% | 109 |
| Property Type | 0 | 23 | 0.00% | 109 |
| LTV Valuation Value | 0 | 5 | 0.00% | 109 |
| Original Term | 0 | 1 | 0.00% | 109 |
| **Total** | **56** | **2511** | **2.23%** | **109** |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

![](ex992001.jpg)

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, JPMorgan Chase Bank, National Association. ("Client"). The review included a total of 128 newly originated residential mortgage loans, in connection with the securitization identified as Chase 2025 DPRT – Pool 2 (the "Securitization"). The review began on March 7, 2023 and concluded on June 28, 2024.

**Scope of Review**

**Credit Review**

Digital Risk performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month
sales history

![](ex992001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve
the loan based upon the borrower income, debt, and credit history, to support borrower's willingness and ability to repay
the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized
representative, and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to $110,260;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to $66,156 but less than $110,260; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to $66,156; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than $66,156.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home1 with a loan amount equal to or greater than $110,260;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than $110,260.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement.
A creditor is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline
per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the

![](ex992001.jpg)

standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the **verification** requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October
24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program,
revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program,
revised March 19, 2020.

**Compliance Review**

Digital Risk performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the
application date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

![](ex992001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active
and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser
of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and
consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or
better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area
of concern be identified with the condition of the property, Digital Risk will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an
"as is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the
appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and
reliable value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method
and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Conforming Loan population – Additional valuation product was not required when the CU score
provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an additional

![](ex992001.jpg)

valuation product was reviewed to confirm value was supported within 10% tolerance. In some instances, CDA's were provided in the loan file and reviewed on loans that had an acceptable CU score based on guidance from the seller.

Digital Risk applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product that was also provided by the client.

**Data Discrepancy Report**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Lifetime Maximum Rate (Ceiling) | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.34% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.72% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.78% |
| &nbsp;&nbsp;Origination/Note Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.34% |
| &nbsp;&nbsp;Originator Back-End DTI | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Total Reserves | &nbsp;&nbsp;73 | &nbsp;&nbsp;57.03% |

---

![](ex992001.jpg)

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;97 | &nbsp;&nbsp;$118909409.00 | &nbsp;&nbsp;75.78% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;31 | &nbsp;&nbsp;$33034919.00 | &nbsp;&nbsp;24.22% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;128 | &nbsp;&nbsp;$151944328.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;98 | &nbsp;&nbsp;$119437409.00 | &nbsp;&nbsp;76.56% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;30 | &nbsp;&nbsp;$32506919.00 | &nbsp;&nbsp;23.44% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;128 | &nbsp;&nbsp;$151944328.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;126 | &nbsp;&nbsp;$150456328.00 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;2 | &nbsp;&nbsp;$1488000.00 | &nbsp;&nbsp;1.56% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;128 | &nbsp;&nbsp;$151944328.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;128 | &nbsp;&nbsp;$151944328.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;128 | &nbsp;&nbsp;$151944328.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

---

| | |
|:---|:---|
| **Report Pulled:** | 9/4/2025 |
| **Loan Count:** | 128 |

---

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Appraised Value | 1 | 0.78% |
| CLTV | 1 | 0.78% |
| Lifetime Maximum Rate (Ceiling) | 3 | 2.34% |
| Loan Purpose | 15 | 11.72% |
| LTV | 1 | 0.78% |
| Origination/Note Date | 3 | 2.34% |
| Originator Back-End DTI | 2 | 1.56% |
| Sales Price | 2 | 1.56% |
| Total Reserves | 73 | 57.03% |

---

---

| | |
|:---|:---|
| **Report Pulled:** | 9/4/2025 |
| **Loan Count:** | 128 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Audit ID** | **Customer Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Review Data** |
| XXXX | 3158617352 | XXXX | Originator Back-End DTI | 37.815 | 33.108 |
| XXXX | 3158617389 | XXXX | Total Reserves | 238871.30 | 367351.00 |
| XXXX | 3158617395 | XXXX | Total Reserves | 1386759.20 | 1386385.00 |
| XXXX | 3158617451 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 3158617486 | XXXX | Lifetime Maximum Rate (Ceiling) | 12 | 12.125 |
| XXXX | 3158617493 | XXXX | Appraised Value | XXXX | XXXX |
| XXXX | 3158617521 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617527 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617528 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617528 | XXXX | Originator Back-End DTI | 30.54 | 34.094 |
| XXXX | 3158617535 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617575 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617582 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617586 | XXXX | Total Reserves | 67505.00 | 48714.00 |
| XXXX | 3158617591 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617600 | XXXX | Loan Purpose | Rate/Term Refinance | First Time Home Purchase, as defined by American R |
| XXXX | 3158617603 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617607 | XXXX | Loan Purpose | Rate/Term Refinance | First Time Home Purchase, as defined by American R |
| XXXX | 3158617611 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617618 | XXXX | Lifetime Maximum Rate (Ceiling) | 12 | 12.5 |
| XXXX | 3158617624 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158617787 | XXXX | Total Reserves | 392901.00 | 306068.00 |
| XXXX | 3158617788 | XXXX | Total Reserves | 1264.82 | 151935.00 |
| XXXX | 3158617790 | XXXX | Total Reserves | 14088.00 | 1203723.00 |
| XXXX | 3158617792 | XXXX | Lifetime Maximum Rate (Ceiling) | 2.75 | 11.625 |
| XXXX | 3158617792 | XXXX | Total Reserves | 62658.00 | 625327.00 |
| XXXX | 3158617801 | XXXX | Total Reserves | 22550.00 | 166083.00 |
| XXXX | 3158617803 | XXXX | Total Reserves | 22040.00 | 222801.00 |
| XXXX | 3158617806 | XXXX | Total Reserves | 7033.00 | 60517.00 |
| XXXX | 3158617809 | XXXX | Total Reserves | 54318.00 | 556790.00 |
| XXXX | 3158617810 | XXXX | Total Reserves | 11595.08 | 589314.00 |
| XXXX | 3158617812 | XXXX | Total Reserves | 1533.00 | 151496.00 |
| XXXX | 3158617816 | XXXX | Total Reserves | 110558.00 | 2953342.00 |
| XXXX | 3158617817 | XXXX | Total Reserves | 449753.00 | 102047.00 |
| XXXX | 3158617825 | XXXX | Total Reserves | 103730.00 | 103231.00 |
| XXXX | 3158617830 | XXXX | Total Reserves | 7197.00 | 114800.00 |
| XXXX | 3158617838 | XXXX | Total Reserves | 182694.12 | 344467.00 |
| XXXX | 3158617871 | XXXX | Total Reserves | 98354.00 | 724042.00 |
| XXXX | 3158617873 | XXXX | Total Reserves | 43145.00 | 1012269.00 |
| XXXX | 3158617875 | XXXX | Total Reserves | 3978.00 | 112508.00 |
| XXXX | 3158617882 | XXXX | Loan Purpose | Rate/Term Refinance | First Time Home Purchase, as defined by American R |
| XXXX | 3158617882 | XXXX | Total Reserves | 47591.00 | 55590.95 |
| XXXX | 3158617883 | XXXX | Total Reserves | 197150.00 | 94364.00 |
| XXXX | 3158617938 | XXXX | Total Reserves | 237009.00 | 634664.00 |
| XXXX | 3158617948 | XXXX | Total Reserves | 11413.00 | 280176.00 |
| XXXX | 3158617967 | XXXX | Total Reserves | 3181.00 | 571196.00 |
| XXXX | 3158617977 | XXXX | Total Reserves | 5005.00 | 168454.00 |
| XXXX | 3158617980 | XXXX | Total Reserves | 64500.60 | 202148.00 |
| XXXX | 3158617982 | XXXX | Total Reserves | 321129.00 | 389459.00 |
| XXXX | 3158617984 | XXXX | Total Reserves | 53166.00 | 236497.00 |
| XXXX | 3158617988 | XXXX | Total Reserves | 39441.03 | 84918.00 |
| XXXX | 3158618003 | XXXX | Total Reserves | 3694.00 | 188433.00 |
| XXXX | 3158618005 | XXXX | Total Reserves | 58643.00 | 54403.00 |
| XXXX | 3158618011 | XXXX | Total Reserves | 33458.00 | 560112.99 |
| XXXX | 3158618015 | XXXX | Total Reserves | 8269.00 | 101928.00 |
| XXXX | 3158618017 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | 3158618017 | XXXX | Total Reserves | 141613.00 | 641564.78 |
| XXXX | 3158618018 | XXXX | Total Reserves | 33609.50 | 98261.00 |
| XXXX | 3158618019 | XXXX | Total Reserves | 18025.00 | 121881.00 |
| XXXX | 3158618024 | XXXX | Total Reserves | 13636.15 | 104726.00 |
| XXXX | 3158618026 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 3158618032 | XXXX | Total Reserves | 11388.00 | 274680.00 |
| XXXX | 3158618036 | XXXX | Total Reserves | 28967.00 | 600935.00 |
| XXXX | 3158618037 | XXXX | Total Reserves | 42066.00 | 545504.43 |
| XXXX | 3158618043 | XXXX | Total Reserves | 119978.00 | 88865.00 |
| XXXX | 3158618044 | XXXX | Total Reserves | 164497.00 | 384292.00 |
| XXXX | 3158618046 | XXXX | Total Reserves | 93770.00 | 1132377.28 |
| XXXX | 3158618084 | XXXX | Loan Purpose | Rate/Term Refinance | First Time Home Purchase, as defined by American R |
| XXXX | 3158618084 | XXXX | Total Reserves | 512.00 | 93160.73 |
| XXXX | 3158618087 | XXXX | Total Reserves | 0.00 | 438502.00 |
| XXXX | 3158618089 | XXXX | Total Reserves | 441113.00 | 1016050.00 |
| XXXX | 3158618091 | XXXX | Loan Purpose | Rate/Term Refinance | Other-than-first-time Home Purchase |
| XXXX | 3158618091 | XXXX | Total Reserves | 23407.00 | 149030.07 |
| XXXX | 3158618095 | XXXX | Total Reserves | 317504.00 | 368225.00 |
| XXXX | 3158618100 | XXXX | Total Reserves | 28842.00 | 460233.00 |
| XXXX | 3158618103 | XXXX | Total Reserves | 7470.00 | 437744.00 |
| XXXX | 3158618115 | XXXX | Total Reserves | 227492.00 | 301691.00 |
| XXXX | 3158618119 | XXXX | Origination/Note Date | XX/XX/XXXX | XX/XX/XXXX |
| XXXX | 3158618119 | XXXX | Total Reserves | 27276.00 | 60041.00 |
| XXXX | 3158618122 | XXXX | Total Reserves | 19048.00 | 229575.00 |
| XXXX | 3158618126 | XXXX | Total Reserves | 117999.00 | 112509.00 |
| XXXX | 3158618133 | XXXX | Total Reserves | 149861.00 | 99341.00 |
| XXXX | 3158618137 | XXXX | Total Reserves | 499.39 | 193252.70 |
| XXXX | 3158618140 | XXXX | Total Reserves | 111597.00 | 372216.00 |
| XXXX | 3158618142 | XXXX | Total Reserves | 216174.00 | 301567.00 |
| XXXX | 3158618152 | XXXX | Total Reserves | 2878.61 | 160246.00 |
| XXXX | 3158618156 | XXXX | Total Reserves | 277048.00 | 288855.00 |
| XXXX | 3158618164 | XXXX | Total Reserves | 77289.34 | 105609.00 |
| XXXX | 3158618165 | XXXX | Total Reserves | 19239.00 | 485205.00 |
| XXXX | 3158618183 | XXXX | Total Reserves | 66641.00 | 349350.00 |
| XXXX | 3158618196 | XXXX | Total Reserves | 21999.00 | 490697.00 |
| XXXX | 3158618204 | XXXX | Total Reserves | 33695.00 | 158612.00 |
| XXXX | 3158618205 | XXXX | Total Reserves | 109823.93 | 115073.00 |
| XXXX | 3158618214 | XXXX | Total Reserves | 313948.12 | 1055788.00 |
| XXXX | 3158618224 | XXXX | Total Reserves | 52540.00 | 59784.00 |
| XXXX | 3158618226 | XXXX | CLTV | 71 | 70 |
| XXXX | 3158618226 | XXXX | LTV | 71 | 70 |
| XXXX | 3158618226 | XXXX | Sales Price | XXXX | XXXX |
| XXXX | 3158618226 | XXXX | Total Reserves | 52452.32 | 122453.00 |
| XXXX | 3158618232 | XXXX | Total Reserves | 168450.00 | 167951.00 |
| XXXX | 3158618240 | XXXX | Total Reserves | 21236.00 | 28237.00 |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Finding #** | **Last Name** | **Note Date** | **Audit Category** | **Audit Issue** | **Finding ID** | **Exception Finding** | **Remediation Status** | Exception Rebuttal | Exception Response | **Status Comment** | **Compensating Factors** | **Initial Findings Grade** | **Final Findings Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 3158617352 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617352 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617352 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617370 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617370 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617370 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617371 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - 10% Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that XXXX total cannot increase more than 10% test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase/addition to the following fees was not accepted: Document Preparation, Electronic Recording, Notary, Settlement, Title Examination, Wire Transfer. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - The Settlement agent listed on the CD has a different address then the agent listed on the SPL therefore this is not the same provider and borrower shopped and fees are not subject to tolerance<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617371 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617371 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617380 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Disclosure - XXXX Tangible Net Benefit Disclosure/Missing | XXXX | The XXXX Tangible Net Benefit Disclosure is Missing. Required for all mortgage loans to evidence that the loan is beneficial to the borrower. XXXX Mortgage Loan Originator Licensing and Mortgage Company Registration Act XXXX. Rev. Stat. Ann. 12-61-XXXX; 4 XXXX. Code Regs. 725-3, Rule 3-1-1, 5(5) / 4 XXXX. Code Regs. 725-3, XXXX | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> concur - please review<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617380 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617380 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617381 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | ARM Disclosure - Missing | XXXX | The file contains no evidence that the ARM Disclosure was provided to the borrower. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(b)(1) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review evidence of the ARM Disclosure provided to the borrower.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617381 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617381 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617389 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617389 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617389 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617395 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617395 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617395 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617422 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617422 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617422 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. The loan file does not contain a CDA and the CU score is over XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur - Please review CDA<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617429 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617429 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617429 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX, which supported the appraisal value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617440 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617440 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617440 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 2. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617451 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617451 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617451 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU with a score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617452 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617452 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617452 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CU with a score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617453 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617453 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617453 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU with a score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617454 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617454 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617454 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617461 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617461 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617461 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated, XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617473 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617473 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617473 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. AVM was provided and supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617480 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617480 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617480 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617483 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617483 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617483 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617484 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617484 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617484 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617486 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617486 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617486 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617489 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617489 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617489 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617493 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617493 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617493 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a Field Review, dated XX/XX/XXXX, which supports value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617494 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617494 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Contract Addendum - Missing | XXXX | The CD reflected Seller Concessions of XXXX. The Concessions were not reflected on the Purchase Contract. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur - please review<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617494 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CU with a score of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617495 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617495 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617495 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617496 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Loan Disclosures/Partial Payment | XXXX | The Partial Payment Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Partial Payment Disclosure is not completed. Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(l)(5) | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached PCCD with partial payments box selected.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617496 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617496 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617509 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617509 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617509 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. FNMA score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617510 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617510 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617510 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. AVM XXXX file and supported original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617516 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617516 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617516 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617518 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617518 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit Score - FICO Refresh | XXXX | Guidelines indicate the credit report must be free from frozen credit. The refreshed credit report for Borrower 1 dated XX/XX/XXXX reflects the Experian bureau was "frozen" when pulled. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - If the borrower's credit information is frozen at one of the credit repositories for borrowers who have traditional credit, the credit report is still acceptable as long as: - credit data is available from two repositories, - a credit score is obtained from at least one of those two repositories, and the lender requested a three in-file merged report.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Do not concur - Please review Fannie guideline that states if the credit report is frozen it is still acceptable<br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Do not concur - The AUS reflects full credit pull #XXXX with all scores reporting dated XX/XX/XXXX and re-issued XX/XX/XXXX. The credit refresh #XXXX is a soft pull with no scores reporting and was not used for underwriting through AUS. Therefore, the frozen messaging on this refresh report had no impact on the decision (documentation attached). <br>Rebuttal 4 (XX/XX/XXXX XXXX)<br> EV2 accepted. Please waive with EV2 grade<br>| Response 1 (XX/XX/XXXX XXXX)<br> The first sentence XXXX the credit section of the client guide reflects "Credit Report must be free of frozen credit". (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The subject transaction has credit overlays, which address frozen credit not being allowed. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Unable to clear. Escalated to management. (Upheld)<br>Response 4 (XX/XX/XXXX XXXX)<br> Upon review by Senior Management the Chase Correspondent Jumbo AUS guidelines state "Credit Report - Credit Report must be free of frozen credit". This overlay supersedes the AUS provided XXXX file. As this is an overlay client may request to waive with compensating factors for an EV2 non-material grade. (Upheld)<br>Response 5 (XX/XX/XXXX XXXX)<br> Waiver granted by Client. (Waived)<br>|  | XXXX% DTI. XXXX per month residual income. | 3 | 2 | 3 | 2 |
| XXXX | 3158617518 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617520 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617520 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617520 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617521 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617521 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617521 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617522 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617522 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617522 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained 2 full appraisals which both supported the qualifying value of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617525 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617525 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617525 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617527 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617527 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Earnings Continuity | XXXX | The loan file contains a lender exception prior to consummation allowing for the use of borrowers sign on bonus with less than three continuance. The borrower has been employed for XXXX years and received a sign on bonus of XXXX paid over pay period installments with the second sign on bonus paid out after two years of employment. The forthcoming will be RSU XXXX lieu of bonus. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: FICO score 738, over XXXX million XXXX reserves, strong earning potential. | 2 | 2 | 2 | 2 |
| XXXX | 3158617527 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 2. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617528 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617528 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617528 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. AVM provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617535 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617535 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617535 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617554 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Testing for TILA, Total of Payments, Federal and State threshold accuracy could not be completed through the compliance tool due to Index Rate missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do Not Concur. The ARM Index Rate XXXX% is a valid rate. Please review Regulatory test attached.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617554 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Liabilities - Mortgage Payment History | XXXX | Lender Exception post consummation for confirmation that XXXX does not belong to customer. Compensating factors deem this non-material. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur. The XXXX does not belong to borrower letter received Post note. Accept Grade 2.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Exception granted by Investor.<br>|  | BWR purchasing 2nd home XXXX Encinco, XXXX. BWR currently resides rent free XXXX Seattle, XXXX. Current primary belongs to Mary Haubold. Borrower has been an actress since 2018. Income being used is conservative due to income more than doubling from 2020 to 2021. DTI of XXXX%. Residual income of XXXX | 2 | 2 | 3 | 2 |
| XXXX | 3158617554 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617555 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617555 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617555 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617562 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Non-Rescindable | XXXX | Testing for TILA, Total of Payments, Federal and State threshold accuracy could not be completed through the compliance tool due to Index Rate missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617562 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617562 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617575 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617575 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617575 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617582 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617582 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617582 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FHLMC UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617586 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617586 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617586 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617591 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617591 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit Report - Other | XXXX | The credit report had a Fraud Alert on the XXXX-borrower, Lucas Baker, with a phone number. The file did not contain evidence that the customer was called to clear the Fraud Alert. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> please review - fraud cert<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617591 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score was 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617594 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617594 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617594 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617600 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617600 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617600 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617603 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617603 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617603 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617605 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The date the Notary acknowledged the Mortgage is missing the year. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded recorded affidavit.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617605 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617605 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617607 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617607 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617607 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617611 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617611 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Interested Party Contribution - Exceeds | XXXX | The Closing Disclosure reflects seller contributions XXXX the amount of XXXX. The sales contract reflects seller contributions of XXXX. The file is missing a contract addendum increasing seller contributions to XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded sale contract addendum increasing seller contribution from $XXXX to $XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617611 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | The file is missing a VVOE for the XXXX-borrower dated within 10 days of the Note date XX/XX/XXXX. The DU reflects D1C validation of employment. However, per the guidelines, Day 1 Certainty is ineligible for VVOE verification. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded VOE verified on XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617611 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a second appraisal which supports the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617617 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Missing | XXXX | The Security Instrument (Mortgage/Deed of Trust) is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded DOT.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 4 | 1 | 3 | 1 |
| XXXX | 3158617617 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VVOE Salaried/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a VOE for both the borrower and XXXX-borrower. The AUS requires a 10-day pre-closing verification for each borrower using employment income retained XXXX the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please review uploaded VOEs.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617617 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617618 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617618 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617618 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617622 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617622 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617622 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617624 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617624 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617624 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an additional appraisal, dated XX/XX/XXXX, which supports the appraised value and sales price. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617625 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617625 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617625 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617626 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617626 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617626 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617787 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617787 | 2 of 5 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | Lender Exception provided for allowing income for US residence living abroad and working for a foreign employer, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 800 FICO and low DTI of 21% | 2 | 2 | 2 | 2 |
| XXXX | 3158617787 | 3 of 5 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Loan Amount | XXXX | Lender Exception provided for loan amount approved at XXXX, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 800 FICO and low DTI of 21% | 2 | 2 | 2 | 2 |
| XXXX | 3158617787 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender Exception provided for waiving VOR history for foreign address, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 800 FICO and low DTI of 21% | 2 | 2 | 2 | 2 |
| XXXX | 3158617787 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is 2. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617788 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617788 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender Exception provided for thin tradelines, approved with 3 tradelines due to limited US credit, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 728 FICO and 75% LTV | 2 | 2 | 2 | 2 |
| XXXX | 3158617788 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender Exception provided for prior housing payment history - no lease termination agreement with documented XXXX payments to the landlord XX/XX/XXXX when relocated to the US, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 728 FICO and 75% LTV | 2 | 2 | 2 | 2 |
| XXXX | 3158617788 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617790 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617790 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617790 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617792 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617792 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Verification Documentation - VOR | XXXX | Lender Exception provided for rental payment history - borrower rented until XXXX XXXX an Airbnb, lived with family overseas, stayed XXXX hotels/RVs until moving into their rental property XXXX XXXX, prior to consummation. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX.8 Residual Income, 789 FICO and 52 months reserves after closing | 2 | 2 | 2 | 2 |
| XXXX | 3158617792 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617801 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617801 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617801 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617803 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. A 2nd closing disclosure dated XX/XX/XXXX was issued, after the signed closing disclosure, with a change to the settlement agent on page one. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - E-consent obtained for both Borrowers XX/XX/XXXX. Final CD created XX/XX/XXXX. Initial CD viewed via XXXX by B1 (only 1 borrower required for non-rescindable transactions) on XX/XX/XXXX which is prior to consummation date of XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617803 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | Lender Exception for DTI of XXXX% exceeding the maximum guidelines of 43% prior to consummation. Deemed Non Material based on compensating factors. | Upheld |  |  |  | Comp Factors - Credit Score 796, Residual Income XXXX, Reserves XXXX/17 mos | 2 | 2 | 3 | 2 |
| XXXX | 3158617803 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617806 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617806 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617806 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM dated XX/XX/XXXX, which supports the appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617809 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (Disclosure Timing Fail) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. Because the loan failed the initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following decreases: Lender Credit. A cost to cure XXXX the amount of XXXX is required. The violation may be cured if documentation is provided showing the disclosure was delivered timely. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Initial CD created XX/XX/XXXX with receipt date same day. E-Consent obtained and Initial CD received via XXXX by Borrower XXXX, more than 3 days prior to consummation date of XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617809 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | TRID- Initial CD/Delivery Date (prior to consummation) Non- Rescindable. Non-Rescindable Transaction. The loan failed the Initial Closing Disclosuredelivery date test due to the following: Without evidence of receipt, it isassumed that the disclosure dated XX/XX/XXXX was mailed, and therefore notreceived by the consumer 3 business days prior to the consummation date, XX/XX/XXXX.If disclosure was delivered electronically, evidence of receipt as well as theconsumer's E-consent is required | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Initial CD created XX/XX/XXXX with receipt date same day. E-Consent obtained and Initial CD received via XXXX by Borrower XXXX, more than 3 days prior to consummation date of XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617809 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617809 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617810 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617810 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617810 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617812 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No Valid COC) | XXXX | The loan failed the charges that cannot increase test. A valid change of circumstance was not provided XXXX the loan file. Therefore, the increase to the following fees was not accepted: Transfer Taxes on version 3 of the LE issued XX/XX/XXXX and Points - Loan Discount Fee on LE issued on XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - Transfer Taxes in Alameda County California are Seller paid, unless both parties agree to shift the responsibility to the Buyer as stated and agreed in the Fully Executed Purchase Contract received XX/XX/XXXX. Transfer Taxes were updated and a corresponding CIC is in MX XX/XX/XXXX. Updated fee disclosed on LE V3 dated XX/XX/XXXX. Credit Score decreased XX/XX/XXXX resulting in increase to Loan Discount Points. Valid CIC showing Loan Discount Points Change on XX/XX/XXXX. CD V4 disclosed XX/XX/XXXX shows increase to Loan Discount Points<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617812 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617812 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was supported the appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617816 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (No COC - Date Undeterminable) | XXXX | The loan failed the charges that cannot increase test. Although the addition may be valid, because a COC was not provided, auditor is unable to determine if the revised Loan Estimate issued on XX/XX/XXXX was disclosed within 3 business days of the change. Therefore, the addition to the following fee was not accepted: appraisal re-inspection fee. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Valid CICs of Final Inspection Required and ApprValue occurred on XX/XX/XXXX. LE disclosed timely on XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617816 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617816 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617817 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617817 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Employment History | XXXX | Lender exception prior to consummation for length of self-employment is less than the required 2 years. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: Client has been with the same company since 2019; however, was paid by 1099 XXXX 2023 and changed to a sub-contracting income XXXX 2023. Fico score of 758, supporting a willingness to repay and ability to manage debt, residual income of XXXX, 9 months of post-closing reserves. | 2 | 2 | 2 | 2 |
| XXXX | 3158617817 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617825 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Initial CD received via XXXX by Borrower XX/XX?XXXX, more than 3 days prior to consummation date of XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617825 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - LE/Revised LE Delivery Date (prior to consummation) | XXXX | The loan failed the Revised Loan Estimate delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 4 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Final LE Issued and received same day XX/XX/XXXX via XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617825 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender's Exception - Lender allowed the borrower not to meet the minimum trade line requirements per Lender's guides. Compensating factors deems as non-material. (upheld) | Upheld |  |  |  | Compensating factors - XXXX residual income per month, 739 mid score, stable employment | 2 | 2 | 3 | 2 |
| XXXX | 3158617825 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617830 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617830 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617830 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617838 | 1 of 5 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617838 | 2 of 5 | XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Note date was XX/XX/XXXX. An initial application dated XX/XX/XXXX was provided; however, the final loan application was not provided. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> XXXX-Final loan application is dated XX/XX/XXXX- loan was a E- Close loan<br>| Response 1 (XX/XX/XXXX XXXX)<br> Explanation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617838 | 3 of 5 | XXXX | XX/XX/XXXX | Credit | Income - Employment History | XXXX | Lender exception to allow self-employed employment history from XX/XX/XXXX to current with less than a 2-year history as required by the lender guidelines. Deemed nonmaterial based on compensating factors. | Upheld |  |  |  | Compensating factors: Customer is an anesthesiologist with prior employment from 10/1/20 - 2/2/23 and then became a partner with less than 1% at Vituity 2/2/23. Borrower income paid on K1. Fico score of 790 is higher than the minimum required of 680, residual income of XXXX, 28 months of PITIA post-closing reserves. | 2 | 2 | 3 | 2 |
| XXXX | 3158617838 | 4 of 5 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | Lender exception prior to consummation to allow use of income flowing from XXXX XXXX with less than a 2-year history and allowing total qualifying income from the XXXX P&L for qualifying. Deemed nonmaterial based on compensating factors. | Upheld |  |  |  | Compensating factors: Customer is an anesthesiologist with prior employment from 10/1/20 - 2/2/23 and then became a partner with less than 1% at Vituity 2/2/23. Borrower income paid on K1. Fico score of 790 is higher than the minimum required of 680, residual income of XXXX, 28 months of PITIA post-closing reserves. | 2 | 2 | 3 | 2 |
| XXXX | 3158617838 | 5 of 5 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU scorer of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617871 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617871 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617871 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FHLMC UCDP dated XX/XX/XXXX with a score of 4, and a FNMA UCDP dated XX/XX/XXXX with a score of 5. A CDA dated XX/XX/XXXX was obtained that supported the value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617873 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617873 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617873 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an AVM dated XX/XX/XXXX, which supported the appraisal value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617875 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617875 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | The loan file contains a Lender Exception for the DTI of XXXX% exceeding maximum guidelines of 43%. Deemed non-material based on compensating factors (upheld). | Upheld |  |  |  | Comp Factors - Credit Score 743, Residual Income XXXX | 2 | 2 | 2 | 2 |
| XXXX | 3158617875 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617882 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617882 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | Lender exception prior to consummation for XXXX decline due to losses on financials. Deemed not material based on compensating factors. | Upheld |  |  |  | Compensating factors: Occupying borrower has 5 years and 9 months of stable employment, both borrowers are Chase DDA customers, LTV is 72% vs maximum of 90%. fico score of 756 above minimum of 680, 28 months of post-closing reserves. | 2 | 2 | 2 | 2 |
| XXXX | 3158617882 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617883 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617883 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617883 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617938 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617938 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617938 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is 2. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617948 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617948 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617948 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617967 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - E-consent obtained for B1 XX/XX/XXXX and B2 XX/XX/XXXX. Initial CD created XX/XX/XXXX. Initial CD viewed via XXXX by B2 (only 1 borrower required for non-rescindable transactions) on XX/XX/XXXX which is more than 3 days prior to consummation date of XX/XX/XXXX.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see previously referenced document attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> The referenced documentation was not received.Please provide the receipt for review. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617967 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for employment continuance. Lender Exception prior to consummation for contract salaried employment with less than 3 years' continuance. Compensating factors deem this non-material. | Upheld |  |  |  | Compensating factors-good disposable income $46K/XXXX, good assets approx $800K, strong FICO w/overall credit depth to 2015. | 2 | 2 | 3 | 2 |
| XXXX | 3158617967 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. AVM was provided and supported original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617977 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617977 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Loan Amount | XXXX | The XXXX loan amount was below the minimum XXXX loan amount allowed by the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur. The product is XXXX – XXXX. As per the Non-Agency product specs the minimum loan amount on this product is $10,000.<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Do Not Concur - Please see page 2 of the Product Specs<br>| Response 1 (XX/XX/XXXX XXXX)<br> Please provide the appropriate guides. Data Tape reflects Jumbo AUS. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617977 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617980 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617980 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Earnings Continuity | XXXX | Lender Exception for the Borrower filing a Schedule C XXXX XXXX under a different company than XXXX XXXX prior to consummation. Deemed Non Material based on compensating factors. | Upheld |  |  |  | Comp Factors - LTV 55%, Credit Score 796, Residual Income XXXX XXXX | 2 | 2 | 2 | 2 |
| XXXX | 3158617980 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of 1. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617982 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - E-consent obtained for both Borrowers XX/XX/XXXX. Initial CD created XX/XX/XXXX. Initial CD viewed via XXXX by B2 (only 1 borrower required for non-rescindable transactions) on XX/XX/XXXX which is more than 3 days prior to consummation date of XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158617982 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | Lender exception on XXXX prior to consummation for borrower 1 variable pay with less than 24 months verified. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating factors: qualifying FICO of 767, reserves of XXXX, residual income of XXXX. | 2 | 2 | 3 | 2 |
| XXXX | 3158617982 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158617984 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | FACTA Disclosure - Missing | XXXX | The FACTA Disclosure (Notice to Home Loan Applicant/Credit Information Disclosure) is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - FACTA Disclosure (NTMD) was generated for both borrowers XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 2 | 1 | 2 | 2 |
| XXXX | 3158617984 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | QM - Rebuttable Presumption | XXXX | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR XXXX(b)(4), (e)(1)). This loan does not qualify for a safe harbor. The loan has an APR of XXXX%. The APR threshold to qualify for a safe harbor is XXXX%. | Upheld | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur. Loan is still a Qualified Mortgage with rebuttable presumption.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Client concurs. (Upheld)<br>|  |  | 2 | 2 | 2 | 2 |
| XXXX | 3158617984 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617984 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158617988 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - E-consent obtained for B1 XX/XX/XXXX and B2 XX/XX/XXXX. Initial CD created XX/XX/XXXX. Initial CD viewed via CMH by B1 (only 1 borrower required for non-rescindable transactions) on XX/XX/XXXX which is more than 3 days prior to consummation date of XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to clear the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158617988 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617988 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158617989 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617989 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158617989 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618003 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618003 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618003 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618005 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618005 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The loan file contains a Lender exception for DTI of XXXX% exceeding max 43%, per guidelines. Compensating factors deem this as non-material. | Upheld |  |  |  | Compensating Factors - 732 FICO, 80% LTV, excellent mortgage history, long term employment. | 2 | 2 | 2 | 2 |
| XXXX | 3158618005 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains an AVM report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618011 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than XXXX. Testing for TILA, Total of Payments, Federal and State threshold accuracy could not be completed through the compliance tool. The Index Rate provided XXXX the loan file was not available within the 45 day look-back period. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Please see attached Index dated XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618011 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618011 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618015 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618015 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Debts - Not Verified | XXXX | The loan file does not contain documentation confirming the payment of XXXX on the final loan application for the departing residence includes escrows and applicable association dues. Additional conditions may apply. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur. Mortgage Statement for departing residence (XXXX) shows full PITI $XXXX (Taxes/Ins. being escrowed) + HOA Due $XXXX ($XXXX/Yr.)= $XXXX Total PITIA. See attached documentation supporting full PITIA.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618015 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Title Commitment - Missing/Incomplete | XXXX | The title commitment/policy is missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618015 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618017 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618017 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | Lender exception for DTI XXXX% exceeds the maximum allowed of 43%. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: Low fico score of 806, 17 years with current employer, 78 months of post-closing reserves, strong equity position XXXX departure residence. | 2 | 2 | 2 | 2 |
| XXXX | 3158618017 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618018 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618018 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | the loan file contain a lender exception completed prior to consummation. The loan file is short verified reserves. The loan file contains 11 months verified reserves but requires 12. Assets are short XXXX. Compensating factors deem this a non-material. | Upheld |  |  |  | Compensating Factors: Good FICO 794- DTI <40%- Disposable income > XXXX | 2 | 2 | 2 | 2 |
| XXXX | 3158618018 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618019 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618019 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618019 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618024 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618024 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit - Other | XXXX | Both borrowers had Fraud Alerts with phone numbers reflected on the credit report. Evidence that the numbers were called and the alerts were cleared are missing. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> I do not agree attached it the fraud cert for the borrower that has the alert on the credit report. <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Attached is the Fraud cert that the processor completed it has the Borrowers name and the phone number that matches the number to call from the credit report<br>| Response 1 (XX/XX/XXXX XXXX)<br> Referenced documentation not received. To clarify, any document to clear must contain evidence the Originator contacted the borrower at the phone number listed on the credit report. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618024 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618026 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618026 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618026 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 2. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618032 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618032 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender exception prior to consummation for Borrower not meeting the required tradelines. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: Long term self-employment for 13 years. DTI low at XXXX%, disposable income of XXXX, 30 months of PITIA reserves, 12 months good rental history. | 2 | 2 | 2 | 2 |
| XXXX | 3158618032 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA dated XX/XX/XXXX was provided and supported the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618036 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Notary Acknowledgment page was incomplete, the name of the individual(s) were not listed. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached completed Notary page<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618036 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618036 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618037 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618037 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618037 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. CU score of XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur - Please review CDA<br>| Response 1 (XX/XX/XXXX XXXX)<br> CDA received supports value. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618043 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618043 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618043 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618044 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618044 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618044 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. CU Score XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur - Please review CDA<br>| Response 1 (XX/XX/XXXX XXXX)<br> CDA provided and supports original appraised value. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618046 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618046 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618046 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA provided and supports original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618084 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - XXXX Tolerance Threshold/Non-Rescindable | XXXX | The loan failed the TILA Finance Charge tolerance test. Per Regulation Z, the Finance Charge is considered inaccurate if the disclosed Finance Charge is understated by more than XXXX. The final (last revised) CD issued on XX/XX/XXXX has a disclosed Finance Charge of XXXX, which is less than the system calculated Finance Charge of XXXX. The Finance Charge on the final CD is understated by XXXX which is more than the allowable tolerance of XXXX. The following fees were included XXXX the Finance Charge calculation: XXXX Attorney XXXX, Flood Life of Loan XXXX, Prepaid Interest XXXX, Processing Fee XXXX, Recording Service XXXX, Escrow Fee XXXX, Tax Service Fee XXXX, US Patriot Act Fee XXXX, XXXX Verification Fee XXXX, Waiver of Arbitration XXXX. The index used for testing is XXXX%. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached PCCD, refund, and proof of shipping<br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Please see updated PCCD<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is not sufficient to cure the finding. The LOE, Proof of Delivery and copy of the refund check have been provided. The PCCD provided has an issue date of XX/XX/XXXX, please provided updated PCCD with correct date. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 2 | 3 | 2 |
| XXXX | 3158618084 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Assets - Minimum Reserves | XXXX | Borrower's total verified funds were XXXX (which included a reduction of XXXX.200 for 4 months of remaining rent payments on the departure residence). Closing funds of XXXX were required leaving XXXX for reserves. Required reserves were XXXX resulting XXXX a shortage of XXXX which is 12 months PITIA payments. A lender exception was provided for shortage of required reserves and indicated the shortage represented less than 1-month PITIA payment. The audit reserves were short by 2 months of PITIA payments and did not meet the condition reflected on the exception. | Waived | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - There is an exception for 13-months reserves. PITI = $XXXX x 13 = $XXXX Total assets used $XXXX – funds to close $XXXX = $XXXX vs $XXXX needed for reserves. Assets used: Fidelity 401K $XXXX XXXX #XXXX $XXXX XXXX #XXXX $XXX XXXX #XXXX XXXX XXXX #XXXX $XXXX XXXX 401K $XXXX XXXX#XXXX $XXXX XXXX #XXXX $XXXX Total $XXXX <br>Rebuttal 2 (XX/XX/XXXX XXXX)<br> Do not concur - to further clarify , the loan had a "reserves" exception. The exception allowed was due to short funds for the PITIA plus the required additional reserves for the remaining rent. We do not deduct the remaining rent from assets, it's added to the required reserves total. On this loan, the Customer has a total of 13 months PITIA reserves (product requires 12). Initially the Customer was short 1 month reserve (of the 12) which is what is indicated on the notes on the Universal Exception form. Subsequently the fees for closing increase , thereby reducing the assets and reserves amount and the Exception approver updated the reserves tolerance to 13 months but did not update comments on the Universal Exception form. Overall , all in, the loan requires a total of 13 months reserves as indicated by the exceptions reserves tolerance. The reserves are 13.2 months and the loan closed within the exceptions tolerance. See screenprints from XXXX that reflect the reserves tolerance level set by the Exception Underwriting Team. <br>Rebuttal 3 (XX/XX/XXXX XXXX)<br> Client provided corrected Lender Exception.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Funds required: XXXX POC + XXXX EMD + XXXX cash to close + 12 months of reserves XXXX = XXXX. Funds available: XXXX cleared EMD + XXXX documented assets - 4 months of remaining lease XXXX = XXXX available. Assets shortage of XXXX is a 2 month shortage as opposed to 1 month. (Upheld)<br>Response 2 (XX/XX/XXXX XXXX)<br> The file is still 2 months short of reserves after adding the lease reserve requirements to required reserves and not subtracting the same from qualifying assets. (Upheld)<br>Response 3 (XX/XX/XXXX XXXX)<br> Original Lender Exception intent was to allow only 13 months reserves regardless of the amount required. Actual required was 16 months. Corrected Lender Exception provided. Deemed non-material based on compensating factors. (Waived)<br>|  | Compensating factors: FICO 791, Low DTI of XXXX%, High disposable income of XXXX/month XXXX 2 months reserves, Low Leverage. | 3 | 2 | 3 | 2 |
| XXXX | 3158618084 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158618087 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618087 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Property Type | XXXX | The loan file contains an exception for PAG project requirements at origination due to XXXX financials showing a 3% loss. Compensating factors deem this as non-material. | Upheld |  |  |  | Compensating Factors - 793 FICO, 91 months reserves, $11k monthly disposable income. | 2 | 2 | 2 | 2 |
| XXXX | 3158618087 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618089 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618089 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618089 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618091 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD - Revised CD Delivery Date (No Waiting Period) | XXXX | This loan failed the revised Closing Disclosure delivery date test (no waiting period required) due to the following: Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Per regulation, creditors using electronic delivery methods, such as email, must also comply with XXXX(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures XXXX Global and National Commerce Act). > Truth XXXX Lending Act (Regulation Z) 12 CFR XXXX(f)(2)(i). | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached signed CD. <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618091 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Final Application - Missing | XXXX | The Final application is missing as required by guides. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> see attached<br>| Response 1 (XX/XX/XXXX XXXX)<br> Documentation received is sufficient. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618091 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of 1. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618095 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618095 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender Exception provided, prior to consummation, for DTI greater than 43% (approved at XXXX%). Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX residual income, 743 FICO, 75% LTV, XXXX XXXX reserves | 2 | 2 | 2 | 2 |
| XXXX | 3158618095 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a CDA dated XX/XX/XXXX which supported the appraised value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618096 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618096 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - DTI | XXXX | Lender exception prior to consummation for DTI of XXXX% exceeding the maximum allowable of 43%. Deemed non-material based on compensating factors. | Upheld |  |  |  | Compensating factors: High FICO score of 791. 27 months of post-closing reserves including the retirement accounts, borrower has been with current employer since 01/2018 and XXXX-borrower with the same employer since 02/2016., residual income of XXXX. | 2 | 2 | 2 | 2 |
| XXXX | 3158618096 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LRA score of XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618100 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618100 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618100 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618103 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618103 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618103 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. Two appraisals were provided with the higher appraised value of XXXX being used. The CDA was ordered on the lower value of XXXX and does not support the higher value. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Concur - Please review Field Review<br>| Response 1 (XX/XX/XXXX XXXX)<br> Field Review received reviewed and supported the higher appraisal with a value of XXXX. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618115 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618115 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618115 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618119 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618119 | 2 of 4 | XXXX | XX/XX/XXXX | Credit | Credit Report - Minimum Trade Lines | XXXX | Lender's Exception - The borrower does not meet the minimum trade line requirements to meet lender guidelines. Compensating factors deems as non-material. | Upheld |  |  |  | Compensating factors - XXXX residual income, 752 mid score, Low DTI of XXXX% | 2 | 2 | 2 | 2 |
| XXXX | 3158618119 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | Income - Insufficient Documentation | XXXX | Lender's Exception - Lender allowed the XXXX-borrower to provide an employment offer letter indicating the start date as XX/XX/XXXX, which is a little more than 3 months after the closing date. Compensating factors deems as non-material. | Upheld |  |  |  | Compensating factors - XXXX residual income, 752 mid score, Low DTI of XXXX% | 2 | 2 | 2 | 2 |
| XXXX | 3158618119 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is 2. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618122 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618122 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception for Program Restrictions with not verifying mortgage payment history prior to consummation. Deemed Non Material based on compensating factors. | Upheld |  |  |  | Comp Factors - Credit Score 777, Residual Income XXXX, Reserves XXXX/29 mos | 2 | 2 | 2 | 2 |
| XXXX | 3158618122 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FHLMC UCDP dated XX/XX/XXXX that a score was not available, and a FNMA UCDP dated XX/XX/XXXX with a score of XXXX. An AVM was provided dated XX/XX/XXXX that supported the value. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618126 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618126 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618126 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score was XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618133 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The PUD Rider does not reflect the development name. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached Affidavit <br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618133 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable | XXXX | Non-Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Initial CD received via XXXX XXXX more than 3 days prior to consummation date of XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618133 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618133 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score XXXX. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618137 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618137 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618137 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618140 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - Zero Tolerance Violation (Revised Disclosure Late) | XXXX | The loan failed the charges that cannot increase test. Because the change occurred on XX/XX/XXXX and the consumers were not provided the disclosure within 3 days of the change, the increase to the following fee was not accepted as valid: Transfer Taxes on the revised LE issued on XX/XX/XXXX. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumers, PCCD, copy of the refund and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not concur - Purchase Contract not received until XX/XX/XXXX. Transfer Taxes in XXXX are Seller paid, unless both parties agree to shift the responsibility to the Buyer as stated and agreed in the Fully Executed Purchase Contract. Transfer Taxes were updated and disclosed on LE V3 dated XX/XX/XXXX.<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 2 |
| XXXX | 3158618140 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender Exception for DTI over 43%. Deemed non-material due to compensating factors. | Upheld |  |  |  | Comp factors - 805 score. XXXX per month residual income. 14 months of reserves. | 2 | 2 | 3 | 2 |
| XXXX | 3158618140 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score was 1. |  |  |  |  |  | 1 | 1 | 3 | 2 |
| XXXX | 3158618142 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618142 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618142 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618152 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618152 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618152 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618156 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618156 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income - Other | XXXX | Lender Exception for the use of the Borrower's XXXX earnings XXXX qualifying prior to consummation. Deemed Non Material based on compensating factors. | Upheld |  |  |  | Comp Factors - Credit Score 775, Residual Income XXXX, Reserves XXXX/24 mos | 2 | 2 | 2 | 2 |
| XXXX | 3158618156 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a FHLMC UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618164 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618164 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618164 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618165 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618165 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | Lender Exception provided for DTI above 43%, prior to consummation. Non-material based on compensating factors. | Upheld |  |  |  | Compensating Factors: XXXX Residual Income, 753 FICO and XXXX % LTV | 2 | 2 | 2 | 2 |
| XXXX | 3158618165 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618183 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618183 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender's Exception - Lender to allow for large payout of XXXX as rent being paid XXXX full. Compensating factors deems as non-material. | Upheld |  |  |  | Compensating factors - 26 months of reserves, Low DTI of XXXX%, XXXX residual income per month. | 2 | 2 | 2 | 2 |
| XXXX | 3158618183 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score is XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618196 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618196 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618196 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. LCA score is XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618204 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618204 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618204 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score is XXXX |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618205 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618205 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618205 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA report dated XX/XX/XXXX which supports the original appraised value. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618214 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | TRID - CD/Lender Credits that Cannot Decrease (No Valid COC) | XXXX | The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the Initial CD issued XX/XX/XXXX without a valid change of circumstance. A cost to cure XXXX the amount of XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Do not Concur. Valid CICs for Loan Interest Rate and Loan Discount Points on XX/XX/XXXX that caused the premium pricing to decrease. The updated CDv2 disclosed timely on XX/XX/XXXX<br>| Response 1 (XX/XX/XXXX XXXX)<br> The documentation provided is sufficient to cure the finding. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618214 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618214 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained an AVM dated XX/XX/XXXX which supported the appraisal value. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618224 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618224 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 3 | 1 |
| XXXX | 3158618224 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within 10% of original appraisal amount | XXXX | The Loan file did not contain an AVM, CDA, Field Review, 2nd appraisal XXXX CU score at XXXX XXXX under to support the origination appraised value. CU score XXXX and LCA score XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XXXX)<br> Please see attached Appraisal Field review.<br>| Response 1 (XX/XX/XXXX XXXX)<br> Field Review received supports value. (Resolved)<br>|  |  | 3 | 1 | 3 | 1 |
| XXXX | 3158618226 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618226 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Program Parameters - Other | XXXX | Lender Exception for income commencing within 90 days of the Note as per the borrower's employment contract prior to consummation. Deemed Non Material based on compensating factors. | Upheld |  |  |  | Comp Factors - Credit Score 793, DTI XXXX%, Reserves XXXX/16 mos | 2 | 2 | 2 | 2 |
| XXXX | 3158618226 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contained a FNMA UCDP dated XX/XX/XXXX with a score of XXXX. |  |  |  |  |  | 1 | 1 | 2 | 2 |
| XXXX | 3158618232 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618232 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618232 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU Score 1. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618240 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is XXXX compliance with all applicable laws and regulations. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618240 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| XXXX | 3158618240 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CU score of XXXX. |  |  |  |  |  | 1 | 1 | 1 | 1 |
| **XXXX** |  |  | **XXXX** |  |  |  | **XXXX** |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Original Loan Amount** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 3158618037 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 3158618003 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618017 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617389 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617988 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617989 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617395 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618036 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618024 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158618011 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618046 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618018 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158618026 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618044 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 3158617984 | XXXX | 2 | 2 | 1 | 1 | 2 | 2 | 1 | 1 B A |
| XXXX | 3158618019 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617586 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618152 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618015 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158618140 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617790 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617816 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617817 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617830 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617625 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617810 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618089 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617812 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617967 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617371 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617381 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618133 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617624 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617603 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618122 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617518 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 3158618084 | XXXX | 3 | 2 | 3 | 2 | 3 | 2 | 1 | 1 C B A |
| XXXX | 3158618096 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617611 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158618091 | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617528 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618095 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617600 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618115 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617582 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617575 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617882 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158618103 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 3158617527 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617521 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617535 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617607 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618126 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617591 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158618100 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617555 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618214 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618032 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158618137 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617594 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617370 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617982 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617562 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617352 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617554 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617788 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617809 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617806 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618119 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617787 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617792 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617977 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158618005 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158618142 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618232 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617801 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617626 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617803 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617838 | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 3158617948 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617825 | XXXX | 3 | 2 | 2 | 2 | 3 | 1 | 1 | 1 C B A |
| XXXX | 3158617938 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617522 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617622 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618164 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617452 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617510 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617489 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618087 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617871 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617605 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618226 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617451 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617496 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158617516 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618240 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617453 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617440 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617873 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617520 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617493 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617525 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618183 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617617 | XXXX | 3 | 1 | 3 | 1 | 4 | 1 | 1 | 1 C A D |
| XXXX | 3158617454 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618224 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 3158617618 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617473 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617483 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617495 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617980 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617486 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617422 | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 3158617509 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617875 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617883 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618156 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 3158617480 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617380 | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 3158618196 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617484 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617494 | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 3158617461 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618043 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158617429 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618204 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618205 | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 3158618165 | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |

---

## Exhibit 99.2

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 3158618026 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158617554 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617352 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| 3158617790 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 3158618226 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617871 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 3158617525 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158617510 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.188% | XXXX | 0.94 | 0.06 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 3158618087 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158618164 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617452 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617967 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -1.560% | XXXX | 0.95 | 0.05 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 3158617594 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 3158618183 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158617483 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158618156 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158618044 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 3158618152 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 3158617938 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158617817 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618240 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 3158617461 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.667% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617509 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618196 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158618096 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158617787 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158618119 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158618165 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 3158617617 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617882 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158618084 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617788 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617806 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.273% | XXXX | 0.96 | 0.04 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| 3158617535 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 3158617528 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.944% | XXXX | 0.96 | 0.04 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 3158618037 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| 3158618015 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617982 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618204 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617801 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617496 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 3158617516 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 3158618224 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 3158617389 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617977 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617803 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158618232 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617453 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617816 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 3158617440 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158617451 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618005 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.290% | XXXX | 0.97 | 0.03 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 3158618036 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617626 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 3158618140 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617812 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 3158618089 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 3158617622 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 3158617562 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618011 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 3158618017 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617395 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618214 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.293% | XXXX | 0.94 | 0.06 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 3158617810 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 3158617493 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 0.418% | XX/XX/XXXX | 2055 (Exterior Only) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.418% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| 3158617381 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 3158617486 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158617984 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| 3158618003 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618142 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 3158617520 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617454 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617980 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618091 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617521 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158617555 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617825 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 3158617838 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 3158617830 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| 3158617495 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 3158617618 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618122 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.894% | XXXX | 0.95 | 0.05 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |
| 3158617809 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617422 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617473 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -6.446% | XXXX | 0.94 | 0.06 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |
| 3158618103 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | -15.663% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | -15.663% | XXXX |  | XX/XX/XXXX |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618133 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617603 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| 3158617370 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617875 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 3158618095 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 3158618126 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 3158617611 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 1.045% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 3158617575 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 3158618043 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617371 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617948 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158617792 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 3158617586 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 3158618205 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 3158617591 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618024 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |
| 3158617600 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617527 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 3158618046 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| 3158617429 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618018 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158618019 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618032 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617625 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617605 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617489 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 3158617873 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.682% | XXXX | 0.95 | 0.05 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| 3158617522 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 3158618137 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 3158617484 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 3158617380 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 3158617494 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 0.000% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 3158617480 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617883 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617624 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  | XXXX | XXXX | 2.816% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 3158618100 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158618115 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |
| 3158617988 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1073 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 3158617989 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 3158617518 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 3158617582 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 3158617607 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | No | XXXX | XXXX | 1004 | XX/XX/XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by J.P. Morgan Chase Bank, National Association, through a bulk purchase. The review included a total of three hundred twenty-four (324) residential mortgage loans, in connection with the securitization identified as Chase 2025 DPRT (the "Securitization"). The Review was conducted from August 2025 through September 2025 on mortgage loans originated between January 2023 and April 2025.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements
 and contains OFAC clearance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation
 in the loan file when required by lender or Client specified underwriting guidelines.
 For rental properties where existing leases are required to be verified, verify their
 presence and sufficiency for purpose based on underwriting guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Asset Documentation:** Confirmation of presence of asset documentation requirements relative
 to loan type and guideline requirements for verification of closing funds and reserves;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification
 verification for each borrower (i.e. driver's license, state ID, passport);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate
 for the subject property and that flood insurance is also documented when required;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary
 independent estimate of value;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws,
 related amendments and filings or other organizing and operating documentation relative
 to the commercial borrower entity;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a
 copy of the Articles of Incorporation establishing registration within the state of operation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration
 by confirming the presence of a web print out or certification of good standing for the
 state is in the file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that
 the individual executing the loan agreements has been given signing authority on behalf
 of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note,
 loan agreement or security instrument as applicable and that the agreement is properly
 executed by all parties. Confirm that all applicable allonges or addenda to the note
 are evidenced in the loan file and duly executed by all responsible parties. If the subject
 loan has reached or is nearing maturity confirm that an extension agreement is present
 and duly executed by all required parties;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file
 and is duly executed and notarized and that it contains all applicable riders including
 an assignment of rents;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies
 with all applicable underwriting and legal requirements including those for timing, form,
 authority and execution;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial
 entity borrower as stipulated within Client or lender underwriting guidelines has provided
 a personal guaranty for the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower
 statement verifying that the loan is for commercial purpose and that the subject property
 will not be owner occupied;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Title Policy:** Confirmation that the file contains evidence of title insurance and that
 the title is free from material defects that could affect lien position;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced
 in the loan file and properly conveys interest in the subject property;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and
 Sale Agreement along with any counter offers and modified terms of sale;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence
 of a final settlement statement in the mortgage loan file.

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements
 of underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of
 assets to meet underwriting standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, calculate the debt-service
 coverage ratio to ensure it meets minimum guideline standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit History:** Review the borrower credit reports and any supplemental credit history documentation
 to verify whether the borrower met guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit
 score used in qualification is accurate and whether it meets minimum loan qualification
 and underwriting standards as specified in the underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the
 loan is accurate and compliant with guideline requirements. For Business Purpose and
 Investment loans, verify the presence of a borrower executed affidavit confirming the
 commercial/business purpose of the loan and ensure that no other documentation in the
 loan file indicates the subject property is being used for non-business purposes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property
 Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired
 LTV and CLTV meet loan qualification and underwriting guideline standards based on the
 calculation methods set forth in underwriting guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included
 in PITI calculations. If required based on flood zone, confirm the presence and adequacy
 of flood insurance coverage and that premiums are included in PITI calculations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Compensating Factors:** Review and validate any compensating factors used in the qualification of
 the loan and in consideration of loan level underwriting guideline exceptions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required
 per underwriting guidelines and that each such LOX adequately addresses the eligibility
 scenario under question;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor
 guideline overlays were fully documented, properly approved, and supported;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained
 for each guarantor when required by underwriting guidelines and that red flags on third
 party fraud reports have been reviewed.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations : PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Review
borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
through third party resource of the subject properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
sufficient evidence in loan file, by reviewing the underwriter's decision to approve the loan based upon the borrows income,
debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Provide
Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm
Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red
flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Test
Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Test
Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such
disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Check
the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Review
closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm
collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 appraisal, determination that property is completely constructed, and appraisal is on
 an "as is basis," or property is identified as not completely constructed
 by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the
 appraiser indicated in the body of the subject appraisal that the appraisal conforms
 to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 and determine the relevance of the comparable properties and ensure that a rational and
 reliable value was provided and supported as of the effective date of the Origination
 Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;f. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;g. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;j. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;k. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;l. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (324 loans in total):

Ninety (90) loans had a Desktop Review, thirty-five (35) loans had an AVM, two (2) loans had a BPO, and ten (10) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the three hundred twenty-four (324) mortgage loans reviewed, two hundred and one (201) unique mortgage loans (62.04% by loan count) had a total of two hundred and seventy-two (272) tape discrepancies across eleven (11) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;82 | &nbsp;&nbsp;30.15% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;73 | &nbsp;&nbsp;26.84% |
| &nbsp;&nbsp;GSE Eligible Flag | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.66% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;29 | &nbsp;&nbsp;10.66% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;21 | &nbsp;&nbsp;7.72% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.15% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.68% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.47% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.47% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**272** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of <br> Sample |
| Event Grade A | 267 | $313882204.00 | 82.41% |
| Event Grade B | 50 | $57519972.00 | 15.43% |
| Event Grade C | 7 | $9752141.00 | 2.16% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 324 | $381154317.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 279 | 86.11% |  |
| Event Grade B | 42 | 12.96% |  |
| Event Grade C | 3 | 0.93% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 324 | 100.00% |  |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 319 | 98.46% |  |
| Event Grade B | 2 | 0.62% |  |
| Event Grade C | 3 | 0.93% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 324 | 100.00% |  |
| <br> **Valuation Results:**  | <br> **Valuation Results:**  | <br> **Valuation Results:**  |  |
| Event Grade | Loan Count | Percent of Sample |  |

---

---

| | | |
|:---|:---|:---|
| Event Grade A | 313 | 96.60% |
| Event Grade B | 10 | 3.09% |
| Event Grade C | 1 | 0.31% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 324 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;234 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract Expiration Date is prior to Note Date | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Citizenship Documentation not provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Citizenship Documentation not provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No evidence of required debt payoff | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Asset 4 Expired | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Asset 3 Expired | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 2 Expired | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Credit Report is Expired | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Product Type does not meet eligibility requirement(s) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 2 Credit Report is Expired | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***322*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Employment Self-Employed Less Than 2 Years at Origination | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Occupancy Not Allowed | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Payment History | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income documentation does not meet guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***53*** |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;HO6 Insurance Policy Effective Date is after the Note Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Borrower 1 Deed of Trust Signature does not match Note | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Credit Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;156 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;112 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;73 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CHARM Booklet is Missing | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ARM Disclosure Not Provided Within 3 Days of Application Date | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Total of Payments Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ARM Disclosure is Missing | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;TRID Rescission Total of Payments Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Other Rider is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TILA Rescission Finance Charge Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;MD Credit Regulations Mortgage Loan DTI Provided Test | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Purchase Contract does not Match Final CD | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***512*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;ARM Disclosure Not Provided Within 3 Days of Application Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;305 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;External Obsolescence Present | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;2 |

---

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;2 |
| | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Secondary Value) | &nbsp;&nbsp;1 |
| | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***315*** |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Condo project is ineligible | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;Flip or Rapid Resale of Property | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***11*** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Property Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Unique Exception ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
|  | XXXXX | 3158617334 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE per AUS The Work Number was received with an expiration date of XX/XX/XXXX which is missing from the loan file | Document Uploaded. Please review | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617334 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617334 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617337 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617337 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617337 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617341 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617341 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617341 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617357 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617357 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617357 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617365 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617365 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617365 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. The Appraisal Acknowledgement (pg. XXX) does not provide sufficient evidence whether the appraisal was delivered to the Borrower prior to the consummation date of XX/XX/XXXX. | Document Uploaded. Loan closed XX/XX/XXXX - please review compliance events timeline confirming appraisal provided to borrower XX/XX/XXXX; Document Uploaded. please review acceptable appraisal acknowledgement | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Resolved | XXXX | B A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. The Finance Charge amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | Document Uploaded. Please review LOE explaining changes that occurred requiring cure - LOE should sufficiently cure | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | Resolved | XXXX | C A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. The Finance Charge amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. The Finance Charge amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. | Resolved | XXXX | C A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Compliance | TRID | TRID Total of Payments Test | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. The Total of Payments amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. The Total of Payments amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. The Total of Payments amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. The Total of Payments amount is underdisclosed by $XXX, while the subject loan fees total $XXX. The lender provided a cure of $XXX, and the cure check reflects "XXX% cure", but does not specify how this cure amount was to be applied. Please provide a detailed explanation ("waterfall") of how this cure amount to be applied, and then, additional testing will take place. | Resolved | XXXX | C A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617374 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617382 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617382 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617382 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617384 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the reduction of the Lender Credits: - The Lender Credit of $XXX on the initial CD dated XX/XX/XXXX was reduced to $XXX (after the subtraction of the $XXX lender cure for the Verification Fee) on the final CD dated XX/XX/XXXX. The file does not contain a valid COC for the reduction of this credit. Furthermore, the Mavent report dated XX/XX/XXXX confirms this Lender Credit reduction (pg. XXX-XXX). | Document Uploaded. Lender credit rate dependent, although rate did not change - loan amount decreased from $XXX x.XXX to $XXX x.XXX = $XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617384 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617384 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617386 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617386 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617386 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617391 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Audit DTI of XXX% matches DU DTI of XXX%. XXX reflects DTI of XXX%. Variance due to qualifying index of XXX%. No documented policy exception for DTI > XXX% and no comp factors provided. | Please review again DTI acceptable as Non Agency AUS allows for DTI up to XXX% | Documentation is sufficient. DTI within guidelines. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617391 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617391 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617392 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation Required: Missing proof that the borrower was provided a copy of their appraisal at least XXX days prior to closing | Document Uploaded. loan closed XXX/XXX - appraisal sent to borrower XXX/XXX; Document Uploaded. Please review appraisal acknowledgment confirming borrower received appraisal prior to three days of closing | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617392 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617392 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617393 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617393 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617393 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617396 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required: Missing Affiliated Business Disclosure from the file. | Please review again - lender affiliates disclosed as having XXXX in their name - borrower did not use service provider with the name first horizon ; Document Uploaded. Please review page XXX disclosing lender affil.; Document Uploaded. please review aba | Client confirms no affiliated businesses were used; Exception resolved; Client confirms no affiliated businesses were used; Exception resolved; Privacy policy provided did not resolve the exception. The lender indicated they have affiliates on the privacy policy. Either an attestation to show the lender has no affiliates or no referral of business was made to the affiliates is required to resolve; ABA provided was for the broker, provide the affiliated business disclosure for the lender on the note | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617396 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. please review acknowledgement in file | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617396 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617396 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617397 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617397 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617397 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617400 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617400 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617400 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617401 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. please review delivery confirmation in file | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617401 | XXX | XXXX | XXXX | Credit | Debt | No evidence of required debt payoff | - Missing evidence of payoff of XXX #XXX $XXX excluded from DTI by lender. | Document Uploaded. please review payoff letter - Section K on Final Closing Disclosure reflect payoff | Documentation is sufficient. Closing Statement with payoff provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617401 | XXX | XXXX | XXXX | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements - Missing signed copy of the final settlement Statement for other REO sold and used as reserves - XXX XXX #XXX, XXX | Document Uploaded. please review Final Settlement Statement for REO sold | Documentation is sufficient. Closing Statement provided. Exception resolved.; Asset Record XXX Meets G/L Requirements Or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617401 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617403 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount, $XXX to $XXX for the appraisal and $XXX to $XXX for the appraisal review fee. The COC dated XX/XX/XXXX for the increase in discount points is more than XXX business days from when the change was disclosed on CD XX/XX/XXXX. The COC dated XX/XX/XXXX for increase in appraisal review fee does not provide enough information to determine if this was a valid change. There was no COC provided for the increase in appraisal fee from $XXX to $XXX. | Document Uploaded. Discount point increase occurred XX/XX/XXXX, CD issued XXX/XXX CD (day one is the 3rd - day two is the 5th and day three is the 6th) , valid CIC in file ; Appraisal increase/re-baseline $XXX occurred on XX/XX/XXXX, Loan Estimate page XXX disclosed Construction Loan Statement acceptable ; Appraisal desk review fee $XXX added XX/XX/XXXX, Loan Estimate page XXX disclosed Construction Loan Statement acceptable ($XXX cure on CD) | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617403 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application. The ABD provided was for the seller, not the Lender. | Document Uploaded. Please review lender ABA | Required Affiliated Business Disclosure Documentation Provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617403 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. please review - appraisal emailed to borrower | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617403 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617403 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617406 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617406 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617406 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617408 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617408 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617408 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617409 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617409 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617409 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617413 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | There's no evidence of receipt for the initial CD issued XX/XX/XXXX in the loan file. SOL expired This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Please review lender test disclosing lender test confirming receipt date XX/XX/XXXX | per lender ICD receipt date is XX/XX/XXXX; Exception resolved; per lender ICD receipt date is XX/XX/XXXX; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617413 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | XXX required: A refund in the amount of $...., cure package: PCCD with LOE, copy of refund and proof of delivery or SPL. The title fees increased on the CD issued XX/XX/XXXX without a valid reason and there's no service provider list in the loan file to determine if the borrower shopped for title fees. SOL expired This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | Document Uploaded. Please review SPL in file | SSPL provided; Exception resolved; SSPL provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617413 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617413 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617415 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617415 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617415 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617420 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Please review borrowers Intent to Proceed attached ; Intent to proceed is not required for Correspondent Channel since we purchase the closed loan. ; Document Uploaded. please review combination document to proceed | Proof of Intent to Proceed has been provided.; The document provided did not confirm the borrower gave their intent to proceed which is required under XXX; Document doesnt indicate the borrower is signing to give the intent to proceed | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617420 | XXX | XXXX | XXXX | Property | Appraisal | Subject property appraisal is not on an as-is basis (Secondary Value) | Secondary Value for Subject Property Appraisal is not on an As-Is Basis - Missing Appraisal Update Form 1004D for second appraisal report | Document Uploaded. The collateral UW used the "as is" appraisal for collateral purposes and vetted the rails issue on the other appraisal with attached invoice/photos | Documentation is sufficient. Repairs completed, appraisal used was on an as is basis. Exception resolved.; Secondary Value for Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617420 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617421 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617421 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617421 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617423 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617423 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617423 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617424 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617424 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617424 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617426 | XXX | XXXX | XXXX | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete - The underlisted properties added to DTI by lender were not listed in Section XXX (Schedule of Real EState Owned) of the Final 1003 - XXX XXX XXX and XXX XXX | Document Uploaded. please review updated XXX reflecting properties | Documentation is sufficient. Updated XXX provided. Exception resolved.; The Final 1003 is Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617426 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Homeowner insurance documentation and HOA documentation for other REO at XXX XXX. Final 1003 reflects total TIA payment of $XXX and only the property tax document was provided by lender. | borrowers business address - Per return no HOI | Documentation is sufficient. Explanation for HOI provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617426 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617426 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617428 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. | Document Uploaded. Please review Appraisal provide of receipt by borrower attached. ; Document Uploaded. please review disclosure tracking confirming appraisal doc receipt | Evidence of appraisal delivery provided.; Document provided does not indicate the appraisal was sent to the borrower; Provide confirmation the borrower received the appraisal at least XXX days prior to consummation. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617428 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617428 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617431 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617431 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617431 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617432 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617432 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617432 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617435 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Current XXX at XXX XXX on Final 1003 shows a second lien with XXX for $XXX with payment of $XXX however there is not a verification document in the file or the tradeline showing on the credit report to verify loan terms. Please provide. | Document Uploaded. Do Not Concur - please review 2nd lien supporting docs. | Documentation is sufficient. 2nd Lien Note provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617435 | XXX | XXXX | XXXX | Compliance | Missing Doc | ARM Disclosure is Missing | XXX Disclosure is Missing. Missing XXX disclosure within XXX days of the application date. Downgraded due to SOL | Document Uploaded. Do Not Concur - please review ARM discl. | ARM Disclosure is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617435 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing XXX booklet missing. Downgraded due to SOL | Document Uploaded. Do Not Concur - acknowledgement along with website provided | CHARM Booklet is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617435 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617435 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. DTI exceeds max due to current XXX to be listed and sold after closing. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: high FICO, assets/reserves, good disposable income. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. DTI exceeds max due to current XXX to be listed and sold after closing. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: high FICO, assets/reserves, good disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: high FICO, assets/reserves, good disposable income. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617437 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617437 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617437 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617439 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Non-documentary methods are valid for verifying customer identity. These methods include independently confirming the customer's identity by comparing the information provided by the customer with data obtained from a customer reporting agency or other reliable sources. As the credit report aligns with the details on the XXX form, no additional verification is necessary.; Do Not Agree - this is not a requirement for US Citizen in Correspondent Online Guide | Lender has provided documented policies and procedures for verifying borrower's identity. Condition cleared.; An ID or a signed Patriot Act Disclosure required. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617439 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | Non-documentary methods are valid for verifying customer identity. These methods include independently confirming the customer's identity by comparing the information provided by the customer with data obtained from a customer reporting agency or other reliable sources. As the credit report aligns with the details on the XXX form, no additional verification is necessary.; Do Not Agree - this is not a requirement for US Citizen in Correspondent Online Guide | Lender has provided documented policies and procedures for verifying borrower's identity. Condition cleared.; An ID or signed Patriot Act Disclosure is required. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617439 | XXX | XXXX | XXXX | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | Total coverage with the XXX% replace= $XXX / total estimate of cost new is $XXX - would be enough coverage | Documentation is sufficient. Hazard coverage is acceptable. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617439 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617439 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617441 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617441 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617441 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617443 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617443 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617443 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617445 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617445 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617445 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | The Homeownership Counseling Organization Disclosure date of XX/XX/XXXX is more than XXX business days from the application date of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. | Document Uploaded. DO Not Concur - please review application date clarification | confirmed correct application date; exception resolved; confirmed correct application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test due to the initial LE timing violation. This violation can be cured by providing an initial LE dated within XXX business days of the application date of XX/XX/XXXX. This exception is downgraded due to the expiration of SOL. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | DO Not Concur - please review application date clarification - application date is XX/XX/XXXX | confirmed correct application date; exception resolved; confirmed correct application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that cannot increase more than XXX% test due to the initial LE timing violation. This violation can be cured by providing an initial LE dated within XXX business days of the application date of XX/XX/XXXX. This exception is downgraded due to the expiration of SOL. This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | DO Not Concur - please review application date clarification - application date is XX/XX/XXXX | confirmed correct application date; exception resolved; confirmed correct application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | The Initial Disclosure date of XX/XX/XXXX is more than XXX business days from the application date of XX/XX/XXXX. This violation can be cured by providing an initial LE dated within XXX business days of the application date of XX/XX/XXXX. This exception is downgraded due to the expiration of SOL. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. | Document Uploaded. DO Not Concur - please review application date clarification | confirmed correct application date; exception resolved; confirmed correct application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617446 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617447 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing Tax Certification for XXX Transaction in XXX to accurately shows Property Tax monthly amount. | Document Uploaded. tax bill shows XXX% tax rate and other agency taxes amounted to XXX% x purchase price | Documentation is sufficient. Tax Bill provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617447 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617447 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617448 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. | Document Uploaded. Please review Appraisal receipt attached. ; Document Uploaded. Borrower XXX day waiver in file - appraisal acknowledgment confirms borrower received at closing ; Document Uploaded. Borrower acknowledged receiving appraisal XXX days prior - please see attached | Evidence of appraisal delivery provided.; Since the borrower waived the right to receive the appraisal at least XXX day prior to consummation, provide documentation to show the borrower received a copy of the appraisal at or prior to consummation; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617448 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617448 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617449 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). | Document Uploaded. Do Not Concur - please review timing disclosure | ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617449 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617449 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617449 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617455 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617455 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617455 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617459 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Non-documentary methods are valid for verifying customer identity. These methods include independently confirming the customer's identity by comparing the information provided by the customer with data obtained from a customer reporting agency or other reliable sources. As the credit report aligns with the details on the XXX form, no additional verification is necessary.; Document Uploaded. Do Not Concur - please review signed patriot act disclosure. | Lender has provided documented policies and procedures for verifying borrower's identity. Condition cleared.; The document provided States they will ask for identification. Need the actual Patriot Act Disclosure with the type of document used and the expiration date. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158617459 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | Non-documentary methods are valid for verifying customer identity. These methods include independently confirming the customer's identity by comparing the information provided by the customer with data obtained from a customer reporting agency or other reliable sources. As the credit report aligns with the details on the XXX form, no additional verification is necessary.; Do Not Concur - please review signed patriot act disclosure. | Lender has provided documented policies and procedures for verifying borrower's identity. Condition cleared.; The document provided States they will ask for identification. Need the actual Patriot Act Disclosure with the type of document used and the expiration date. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158617459 | XXX | XXXX | XXXX | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. Do Not Concur - please review E-Consent Discl. | Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617459 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617462 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617462 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617462 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617463 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617463 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617463 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617464 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. See attached receipt of Appraisal. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617464 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617464 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617468 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. Patriot Act is not found in the file. | Document Uploaded. See attached Photo ID for Borrower 2.; Document Uploaded. See attached Patriot Act B2 | Documentation is sufficient. ID provided. Exception resolved.; Photo Identification provided.; Need actual Patriot Act disclosure reflecting the document used for identification with State (if applicable) and expiration on document (usually their ID/license). Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617468 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Patriot Act is not found in the file. | Document Uploaded. See attached Photo ID for Borrower 1 and Patriot ACT Info Form for both borrowers.; Document Uploaded. See attached Patriot Act B1 | Documentation is sufficient. ID provided. Exception resolved.; Photo Identification provided.; Need actual Patriot Act disclosure reflecting the document used for identification with State (if applicable) and expiration on document (usually their ID/license). Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617468 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617468 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617472 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617472 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617472 | XXX | XXXX | XXXX | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Note date is XX/XX/XXXX, however, HO6 policy effective date is XX/XX/XXXX | HO-XXX Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Note date is XX/XX/XXXX, however, HO6 policy effective date is XX/XX/XXXX |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Open |  | C |
|  | XXXXX | 3158617477 | XXX | XXXX | XXXX | Credit | Missing Doc | PUD Rider is Missing | XXX Rider is Missing Property is type is XXX and Mortgage Deed XXX Rider is not marked or was provided | Document Uploaded. Do not concur. There is no mention of the property being in a PUD zone. Attached URLA Project Type Property is not located in a project, Appraisal page XXX of XXX PUD Information not in a PUD zone, if applicable. Title confirms not in PUD zone. | Documentation is sufficient. Although the Appraisal is marked as a PUD, other documentation reflects the property is not a PUD. Exception resolved.; The PUD Rider is Present or is Not Applicable (Property Type is XXX) | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617477 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617477 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617479 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | See attached Funding Request form page XXX, section XXX indicating "No Affiliated Business Relationships", therefore no ABA is required. | Lender confirmed no affiliates used; exception resolved; Lender confirmed no affiliates used; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617479 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617479 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617479 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation Required- Evidence of date appraisal was delivered to Borrowers. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation Required- Evidence of date appraisal was delivered to Borrowers. | Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
|  | XXXXX | 3158617485 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617485 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617485 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617497 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617497 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617497 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617499 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | Document Uploaded. See attached Funding Request form page XXX, #XXX indicating "No Affiliated Business Relationships", therefore no ABA is required. | Lender confirmed no affiliated businesses; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617499 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617499 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617501 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. | Document Uploaded. see attached appraisal receipt. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617501 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617501 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617504 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Document Uploaded. See attached receipt of appraisal; Document Uploaded. Please see attached proof of receipt of the Appraisal. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617504 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Missing LOE as to the omission of the XXX payment of $XXX doe the property located at XXX XXX | Document Uploaded. See attached the divorce decree States ex-spouse is solely responsible for the mortgage, payments on current HELOC, debt, taxes utilities and ordinary upkeep for XXX XXXXX. Payment history from ex-spouse has been documented and CBR support current payment history. The HELOC XXX still available to borrower but is responsible for repayment of any withdrawals on HELOC after the date of this divorce decree. While borrower still obligated on mortgage this court documentation supports no liability for the 1st mtg or housing expenses. Only responsible for the HELOC payment. | Documentation is sufficient. Court Order provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617504 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617508 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Did not locate evidence of receipt for the Appraisal. | Document Uploaded. Do Not Concur - please review email provided appraisal | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617508 | XXX | XXXX | XXXX | Compliance | Points & Fees | MD Credit Regulations Mortgage Loan DTI Provided Test | This loan failed the DTI provided test. (XXX XX/XX/XXXX, XXX §XXX-XXX, XXX-XXX, XXX-XXX, XXX-XXX) The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.PLEASE NOTE: This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on Chapter XXX (XXX) or Chapter XXX (XXX).See XXX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. | Could you please clarify what is required to clear this exception? Please refer to the DU in file for DTI. Regarding the Ability-to-Repay/Qualified Mortgage (ATR/QM) test, please refer to the General Qualified Mortgage (GQM) Price-Based Limit test, which went into effect on XX/XX/XXXX and evaluates loans based on the comparison between the Annual Percentage Rate (APR) and the Average Prime Offer Rate (APOR). | Invalid - DTI calculated; Exception resolved; Invalid - DTI calculated; Exception resolved |  | Rescinded |  | C A |
|  | XXXXX | 3158617508 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617508 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617511 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617511 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617511 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617515 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617515 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617515 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617519 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Provide verification of other payment listed on the XXX and AUS in the amount of $XXX | Document Uploaded. The $XXX amount is Taxes, see attached final CD and Tax certificate. | Documentation is sufficient. Tax document provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617519 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617519 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617523 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines - Missing VVOE for borrower's other Business - XXX | A VOE is not needed for XXXX, LLC since it is not contributing positive income to the cash flow. | Documentation is sufficient. VVOE not required as income not positive and not contributing towards positive income amount. Exception resolved.; Income and Employment Meet Guidelines | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617523 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617523 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617529 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation Required- Evidence of date appraisal was delivered to Borrowers | Document Uploaded. Please review borrower Appraisal receipt attached. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617529 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. | Document Uploaded. Do Not Concur - Patriot doc in file | Documentation is sufficient. Patriot Act disclosure provided. Exception resolved.; Photo Identification provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617529 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Document Uploaded. Do Not Concur - required alt. doc in file | Documentation is sufficient. Patriot Act disclosure provided. Exception resolved.; Photo Identification provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617529 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX-tolerance violation in the amount of $XXX is due to the addition of the collateral desk analysis fee on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX does not provide reason for fee addition. SOL expired; exception downgraded. | Document Uploaded. Do Not Concur - Change in Circumstance in file supporting addition of required CDA fee - UCDP score about XXX CDA required | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617529 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617531 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617531 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617531 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617532 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617532 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617532 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617533 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal and $XXX to $XXX for the reinspection fee. A COC is required to determine if this was a valid increase. | Document Uploaded. The Appraisal and Re-inspection fees were increased on October 4th. Refer to the Loan Estimate (LE) wording on page XXX: "You may receive a revised LE at any time within XXX days."; Document Uploaded. Please see explanation/CIC for increase in Appraisal and Re-Inspection fee. | lender confirmed they became aware of the change to the appraisal fees on XX/XX/XXXX; Exception resolved; lender confirmed they became aware of the change to the appraisal fees on XX/XX/XXXX; Exception resolved; Provide the date the lender became aware of the increased cost of the appraisal and re-inspection fee. The appraisal invoice indicates an order date of XX/XX/XXXX and the cost increase was not disclosed within XXX days of that date | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617533 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Provide the XXX disclosure dated within XXX business days of application XX/XX/XXXX. The one provided is dated XX/XX/XXXX. | Please re-review: The loan initially had a fixed rate, but on XX/XX/XXXX, it transitioned to an adjustable rate loan. Consequently, the ARM Disclosure, which was signed and dated on XX/XX/XXXX, falls within the appropriate timeframe. | ; ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. |  | Rescinded |  | A |
|  | XXXXX | 3158617533 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. See attached appraisal receipt. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617533 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617533 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617539 | XXX | XXXX | XXXX | Property | Missing Doc | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing post-disaster inspection; XXX | Document Uploaded. | Documentation is sufficient. Post Disaster Inspection provided. Exception resolved.; FEMA Post Disaster Inspection report was provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617539 | XXX | XXXX | XXXX | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Missing post-disaster inspection; XXX | Document Uploaded. | Documentation is sufficient. Post Disaster Inspection provided. Exception resolved.; Property Inspection Provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617539 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617539 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617540 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617540 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617540 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617542 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617542 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617542 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617543 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of $XXX for the 2nd Appraisal Fee. | Document Uploaded. Do Not Concur- The initial Loan Estimate disclosed an appraisal cost of $XXX, but the final Loan Estimate/Final Closing Disclosure charged the borrower an appraisal cost totaling $XXX. This does not constitute a tolerance violation because the final cost is lower than the initially disclosed cost. it is within the acceptable range, and there is no violation of the tolerance rules. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617543 | XXX | XXXX | XXXX | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. Valid COC provided; Exception resolved Valid COC provided; Exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. Valid COC provided; Exception resolved Valid COC provided; Exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. Valid COC provided; Exception resolved Valid COC provided; Exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXX (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. Valid COC provided; Exception resolved Valid COC provided; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617543 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. | Evidence of appraisal delivery provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617543 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617543 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617544 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617544 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617544 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617549 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617549 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617549 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617550 | XXX | XXXX | XXXX | Compliance | Missing Doc | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. | Please provide clarification as to what is being requested. More detail is needed to proceed. | Collateral protection disclosure found in file; Exception resolved; Collateral Protection Notice was provided. |  | Rescinded |  | A |
|  | XXXXX | 3158617550 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617550 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617551 | XXX | XXXX | XXXX | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX) There is a replacement cost estimator on file that belongs to another insurance carrier with a different policy number | Per our online guide the replacement cost estimator in file from a professional insurance provider is acceptable - Coverage amount may be verified by the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a Statement from the insurer, an independent insurance risk specialist, or other applicable professional, a replacement cost estimator, or an insurance risk appraisal. | Documentation is sufficient. Insurance coverage is acceptable. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617551 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617551 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617552 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617552 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617552 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617553 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617553 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617553 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617556 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617556 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617556 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617557 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617557 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617557 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617559 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617559 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617559 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617563 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617563 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617563 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617566 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617566 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617566 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617567 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617567 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617567 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Cure required. According to the ComplianceEase report, the Lender's Finance Charge Amount was $XXX (pg. XXX) , while the audited Finance Charge Amount is $XXX. The lender included the following Prepaid Financed Charges in the Finance Charge calculation Document Preparation Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Processing Fee paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Sub-Escrow Fee paid by Borrower: $XXX Title - New Loan Services Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX However, the lender excluded the following fees from the Finance Charge calculation: - Title - Title Processing fee for $XXX - Title - Recording Service Fee for $XXX The Finance Charge Amount is underdisclosed by $XXX, and therefore, is not considered accurate because it is underStated by more than $XXX. Downgraded due to expired SOL. | Do not concur. Please re-evaluate Reg test and confirm that Title - Title Processing Fee iao $XXX and Title - Recording Service Fee iao $XXX are entered as an equal split between borrower paid and seller paid as the totals for the fees are $XXX and $XXX, respectively. | Exception is non-material and graded as level 2/B. Only the Borrower paid portions of the fees were included in testing. The following fees were included in the Finance Charge calculation: Document Preparation Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Processing Fee paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Sub-Escrow Fee paid by Borrower: $XXX Title - New Loan Services Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX However, the lender excluded the following fees from the Finance Charge calculation: - Title - Title Processing fee for $XXX - Title - Recording Service Fee for $XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
|  | XXXXX | 3158617567 | XXX | XXXX | XXXX | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Cure required. According to the ComplianceEase report, the Lender's Finance Charge Amount was $XXX (pg. XXX) , while the audited Finance Charge Amount is $XXX. The lender included the following Prepaid Financed Charges in the Finance Charge calculation Document Preparation Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Processing Fee paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Sub-Escrow Fee paid by Borrower: $XXX Title - New Loan Services Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX However, the lender excluded the following fees from the Finance Charge calculation: - Title - Title Processing fee for $XXX - Title - Recording Service Fee for $XXX The Finance Charge Amount is underdisclosed by $XXX, and therefore, is not considered accurate because it is underStated by more than $XXX. Downgraded due to expired SOL. | Do not concur. Please re-evaluate Reg test and confirm that Title - Title Processing Fee iao $XXX and Title - Recording Service Fee iao $XXX are entered as an equal split between borrower paid and seller paid as the totals for the fees are $XXX and $XXX, respectively. | Exception is non-material and graded as level 2/B. Only the Borrower paid portions of the fees were included in testing. The following fees were included in the Finance Charge calculation: Document Preparation Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Points - Loan Discount Fee paid by Borrower: $XXX Prepaid Interest paid by Borrower: $XXX Processing Fee paid by Borrower: $XXX Settlement or Closing Fee paid by Borrower: $XXX Sub-Escrow Fee paid by Borrower: $XXX Title - New Loan Services Fee paid by Borrower: $XXX Title Courier Fee paid by Borrower: $XXX Underwriting Fee paid by Borrower: $XXX However, the lender excluded the following fees from the Finance Charge calculation: - Title - Title Processing fee for $XXX - Title - Recording Service Fee for $XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
|  | XXXXX | 3158617568 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617568 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617568 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617571 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617571 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617571 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617572 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617572 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617572 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617574 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617574 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617574 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617579 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. No verification of borrowers' rental history in file. | Document Uploaded. Please review uploaded attached procedure. VOR is not required per DU. | Documentation is sufficient. VOR not required by DU. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617579 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617579 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617584 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617584 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617584 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617585 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Verified PITI for REOs does not match what the lender used. XXX XXX has a mortgage payment, however, it is vacant land so no HOI. XXX XXX is the borrower's 2nd home. It is free & clear, however, missing HOI for this property. Additionally, the amount disclosed on the Final 1003 is lower than the verified property tax amount which doesn't appear to include HOI. Borrower's qualifying DTI is low. | Document Uploaded. I've attached all applicable documentation to validate PITIA for both REOs. These will need to be used to supplement the information provided on the Final 1003. I've provided the REO screenshot of the XXX as part of the property summaries. XXX XXXX is a vacant parcel of land via online searches with XXXX, etc. XXX XXXX, Golden Beach, FL [Investment] {XXX} XXXX #XXX (XXX/XXX) $XXX P&I HOI: None per Final 1003 Taxes: $XXX/year per tax bill HOA Dues: None per Final 1003; XXXX or XXXX XXX XXXX #XXX, Aventura, FL [Second Home] Free & Clear HOI: None per LOX Taxes: $XXX/year per tax bill HOA Dues: $XXX per monthnth per transaction history | Documentation is sufficient. Updated REO information provided. Exception resolved. |  | Resolved | XXXX | D A |
|  | XXXXX | 3158617585 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines. Borrower's length of employment contract does not meet guidelines. Professional XXX player with XXX year contract starting XX/XX/XXXX. Lender exception in file granting exception for employment supported by the following compensating factors: low DTI, low LTV, and high assets/net worth. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines. Borrower's length of employment contract does not meet guidelines. Professional XXX player with XXX year contract starting XX/XX/XXXX. Lender exception in file granting exception for employment supported by the following compensating factors: low DTI, low LTV, and high assets/net worth. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: low DTI, low LTV, and high assets/net worth. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: low DTI, low LTV, and high assets/net worth. Exception downgraded to a level 2/B. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617585 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617585 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617592 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617592 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617592 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617593 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% |  | Lender used income could not be replicated. Auditor calculated income for XXX as $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Open |  | C |
|  | XXXXX | 3158617593 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in Discount Points from $XXX on the initial LE to $XXX on the final CD. A COC was provided, however, no specific reasoning was given, and no evidence of any loan amount, program, or pricing changes/lock extension, etc., were evident. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Please review uploaded LOE. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617593 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617593 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617595 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617595 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617595 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617601 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI is over due to rental income not matching to lender. Credit review shows negative net rental of $XXX and lender has negative net rental of $XXX which is a difference in income of $XXX less than lender. | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI is over due to rental income not matching to lender. Credit review shows negative net rental of $XXX and lender has negative net rental of $XXX which is a difference in income of $XXX less than lender. | Invalid finding. Recalculated DTI of XXX% meet guideline requirement and DU tolerance. Condition rescinded.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Invalid finding. Recalculated DTI of XXX% meet guideline requirement and DU tolerance. Condition rescinded.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Rescinded |  | A |
|  | XXXXX | 3158617601 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI is over due to rental income not matching to lender. Credit review shows negative net rental of $XXX and lender has negative net rental of $XXX which is a difference in income of $XXX less than lender. AUS and XXX in the file have the wrong qualifying payment used to qualify therefore hard to match DTI etc. to lender. DTI is only slightly over the max allowed XXX% at XXX%. Borrower has self employed income from one business and XXX REO properties, not all are on schedule E. | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI is over due to rental income not matching to lender. Credit review shows negative net rental of $XXX and lender has negative net rental of $XXX which is a difference in income of $XXX less than lender. AUS and XXX in the file have the wrong qualifying payment used to qualify therefore hard to match DTI etc. to lender. DTI is only slightly over the max allowed XXX% at XXX%. Borrower has self employed income from one business and XXX REO properties, not all are on schedule E. | Invalid finding. Recalculated DTI of XXX% meet guideline requirement and DU tolerance. Condition rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | Invalid finding. Recalculated DTI of XXX% meet guideline requirement and DU tolerance. Condition rescinded.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | Rescinded |  | A |
|  | XXXXX | 3158617601 | XXX | XXXX | XXXX | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. All funds on bank verification documents are accounted for along with the deposit of the net proceeds from the sale of the current principal residence. Robinhood account balance added however assets are still short for reserves. The guidelines indicate to follow FNMA guide for the reserves on multiple properties which reads to be XXX% of the total UPBs for financed properties owned of seven to XXX. Borrower owns XXX which XXX are financed. | Subject is a primary, additional reserves are only required for second home and investment transactions. For Multiple Financed Properties...Follow respective Agency guidelines for maximum number of financed properties and additional reserve requirements for second home and investment transactions. Multiple financed property reserve requirements must be added to XXXX base reserve requirements. | Documentation is sufficient. Reserves are adequate per guidelines. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617601 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. Please review uploaded proof of appraisal delivery. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617601 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617602 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. Please review uploaded LOE confirming no affiliates. | affiliated attestation provided; Exception resolved; affiliated attestation provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617602 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617602 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617604 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increases: - The Appraisal fee increased from $XXX to $XXX on the revised LE dated XX/XX/XXXX. - The Final Inspection fee increased from $XXX to $XXX on the revised LE dated XX/XX/XXXX The file contains a COC dated XX/XX/XXXX (pg. XXX) , which only States the "Reason for Change: Primary Disclosure Reason is 3rd Party Fee or Rate Change." The COC does not reference the fees listed above and does not State the underlying reason for the fee increase. | Please escalate for additional review. The loan is for new construction and the change occurred XXX days prior to closing, so a CIC is not needed, redisclosing the change is acceptable. The new construction verbiage is present on the initial LE. ; Document Uploaded. The Appraisal Fee and Final Inspection Fee were increased on XX/XX/XXXX per attached LE. Per attached XX/XX/XXXX LE, "You may receive a revised Loan estimate at any time prior to XXX days before consummation" verbiage is present on page XXX.; Initial LE dated XX/XX/XXXX, as well as XX/XX/XXXX and XX/XX/XXXX LEs, contain verbiage in Other Considerations section on page XXX that "You may receive a revised Loan estimate at any time prior to XXX days before consummation". Fee increases occurred on XX/XX/XXXX LE and loan closed XX/XX/XXXX, over XXX days later.; Document Uploaded. Please review lender fee specific LOE | Valid COC provided; exception resolved; a COC is still required to increase a fee. Provide the date the lender became aware of change the cost of the appraisal and re-inspection fee; Provide the date the lender became aware of change the cost of the appraisal and re-inspection fee.; The COCs do not indicate the date the lender became aware of change the cost of the appraisal and re-inspection fee. Provide confirmation of that date for review. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617604 | XXX | XXXX | XXXX | Credit | Assets | Asset 3 Expired | Asset XXX Expired The $XXX Statement is dated XXX. Settlement occurred on XX/XX/XXXX | Document Uploaded. Please review uploaded Statements thru XX/XX/XXXX for XXXX and XXXX. | Documentation is sufficient. Asset Statements provided. Exception resolved.; Asset XXX Not Expired Or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617604 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617606 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617606 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617606 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617608 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617608 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617608 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617609 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617609 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617609 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617610 | XXX | XXXX | XXXX | Credit | Eligibility | Product Type does not meet eligibility requirement(s) | XXX: The AUS and Final 1003 Stated the borrower was a XXX. However, the Final 1003 also Stated that the borrower owned the property at XXX XXX as a XXX within the past XXX years. The fraud Report shows that the borrower XXX the home in XX/XX/XXXX and sold the property XX/XX/XXXX. Therefore, the audit is unable to determine how the answer to the question of "Have you had an ownership interest in another property in the last XXX years?" can be answered as "No" by the borrower for qualification as a FTHB. The AUS qualified the borrower as a XXX, which XXX have affected eligibility and pricing. | Agree based on documentation in file the XXX appears to show a clerical error on the question for home ownership in the past three years but considering FTHB requirements not being applicable, requesting reconsideration of overall impact as non-material (EV2). | Documentation is sufficient. Product and eligibility meet guidelines. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617610 | XXX | XXXX | XXXX | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Missing XXX months' Verification of Rental history of the borrower's previous XXX at XXX XXX through either a rental management company VOR or bank Statement verification. Guidelines require that the rental history must provide XXX.) evidence of XXX days late in last XXX months, and XXX.) evidence of no more than XXX days late in months XXX-XXX. However, only XXX months out of the XXX total months were verified on the borrower's prior XXXs. | A VOR is not required for XXX XXXX as the loan was run through AUS. AUS does not request a VOR for said property. | Documentation is sufficient. Property VOR not required by AUS. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617610 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guidelines/AUS require for s/e loans = or < XXX% LTV that there be a verbal, written, or email verification of employment for self-employed borrowers within XXX calendar days prior to the note date OR direct verification by a third party employment verification vendor if completed within the same timeframe, and the information is not more than XXX days old as of the note date. However, the XXX search for the borrower's company, XXX, is not timestamped and only shows updated as of XX/XX/XXXX, which is not withing XXX days of the XX/XX/XXXX note date. | The XXXX underwriter excluded income from XXXX, LLC due to the VOE not being timestamped. Neither the XXX or XXX K1's show distributions. VVOE tabs: See VVOE dated XX/XX/XXXX (and internet business search support docs) and to validate XXXX and XXXX. The Sch C business is a loss. There is no VVOE for XXXX. UW will exclude XXXX at this time, since no VVOE and appears this income is not needed to qlfy. | Documentation is sufficient. Income not used for other employment. Not needed to qualify. Exception resolved.; Income and Employment Meet Guidelines | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617610 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617610 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617613 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617613 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617613 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617616 | XXX | XXXX | XXXX | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Borrower self-employed less than XXX years. Lender exception in file granting exception for employment supported by the following compensating factors: time in profession, good disposable income, mortgage pay history, good reserves and high FICO. Exception downgraded to a level 2/B. | Borrower self-employed less than XXX years. Lender exception in file granting exception for employment supported by the following compensating factors: time in profession, good disposable income, mortgage pay history, good reserves and high FICO. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: time in profession, good disposable income, mortgage pay history, good reserves and high FICO. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: time in profession, good disposable income, mortgage pay history, good reserves and high FICO. Exception downgraded to a level 2/B. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617616 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617616 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617619 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). There's no evidence of Appraisal receipt in the file. | Document Uploaded. Please review uploaded proof of appraisal delivery.; Document Uploaded. Please review uploaded appraisal acknowledgement. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617619 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617619 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617620 | XXX | XXXX | XXXX | Property | Property | External Obsolescence Present | External obsolescence present. Per appraisal, The subject is located adjacent to XXX. XXX is evident. | Per our collateral team, it has been noted that the appraisal valuation already accounts for the external obsolescence and is deemed acceptable. | Appraised value has account for traffic and is reflected in valuation. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617620 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617620 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617633 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617633 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617633 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617634 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617634 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617634 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617635 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617635 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617635 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617636 | XXX | XXXX | XXXX | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is incomplete. Please provide documentation verifying XX/XX/XXXX month payment to XXX account #XXX has been made on time. | Please see uploads associated with other citing. | Documentation is sufficient. Credit Supplement provided. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not partially present. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617636 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Guidelines, XXX most recent years' signed and dated personal income tax returns or transcripts with all applicable schedules are required. The personal tax returns provided are not signed and there were no tax transcripts provided in the loan file. Additionally, the loan file did not include copies of XXX and XXX K-XXX's for XXX or XXX K-XXX XXX used to calculate the Borrower's qualifying income. | Document Uploaded. No income or losses were attributed to the following entities due to less than XXX% ownership: XXXX, LLC (XXX%) ; XXXX, LLC (XXX%) ; XXXX, LLC (XXX%) ; XXXX LLC (XXX%) ; XXXX, LLC (XXX%) ; XXXX, LP (XXX%) XXXX LP (XXX%) ; XXXX LLC (XXX%) ; XXXX, LLC (XXX%) ; XXXX, LLC (XXX%) and XXXX, LP (XXX%). Per Fannie Mae, borrowers who have less than XXX% business ownership, and the Schedule K-XXX reflects a loss, the lender is not required to reduce the qualifying income amount by the amount of the Schedule K-XXX business loss. Furthermore the primary source of qualifying income is being derived from wages. I've attached the tax transcripts; applicable XXX & XXX Schedule E's & Statements and K-XXX's. Please also find the Credit Supplement for mortgage pay history and the subsequent CD documenting property sale. | Documentation is sufficient. Income documentation provided. Exception resolved.; Income and Employment Meet Guidelines | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617636 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617636 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617638 | XXX | XXXX | XXXX | Compliance | Missing Doc | ARM Disclosure is Missing | XXX Disclosure is Missing. Documentation required to clear exception: XXX Disclosure Missing | Document Uploaded. Please review uploaded ARM disclosure. | ARM Disclosure is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617638 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617638 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617640 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617640 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617640 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The XXX disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX. | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The XXX disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX. | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application. The XXX disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Open |  | C |
|  | XXXXX | 3158617641 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Letter of Explanation (Assets) | - XXX Bank asset #XXX with a balance of $XXX owned by XXX individuals was used as reserves, however, only XXX of the the account owners are on subject loan. Missing letter of consent to use the account to meet reserve purposes on this loan. | Do not concur. XXXX follows Fannie Mae for Verification of Deposit and Assets which does not require a letter of consent for joint accounts. Per B3-XXX-XXX, Verification of Deposits and Assets, Copies of bank Statements or investment portfolio Statements. All Statements must: clearly identify the financial institution, clearly identify the borrower as the account holder, include at least the last four digits of the account number, include the time period covered by the Statement, include all deposits and withdrawal transactions (for depository accounts) , include all purchase and sale transactions (for financial portfolio accounts) , and include the ending account balance | Documentation is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617641 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Affiliated Business Disclosure Missing | Document Uploaded. Please reconsider as the affiliates for XXXX are XXXX as it is a wholly owned subsidiary. Essentially, the builder, the lender, and the settlement agent are one in the same and are affiliates of each other. Further confirmation disclosed on Lender test (XXXX) of Lender Affiliate. Please see uploaded XXXX.; Document Uploaded. Please review uploaded ABA. | Required Affiliated Business Disclosure Documentation Provided; The ABA provided is from the seller of the home, which appears to have an affiliated relationship with the lender. Provide the lender's ABA if they have one | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617641 | XXX | XXXX | XXXX | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Missing addendum to contact updating settlement date from XX/XX/XXXX to XX/XX/XXXX per Final CD. | Document Uploaded. Do not concur. Section XXX on Page XXX of uploaded purchase contract indicates XX/XX/XXXX is the estimated settlement date and that settlement must be within XXX years of agreement. | Documentation is sufficient. Explanation provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617641 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617643 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Please review uploaded Intent to Proceed Confirmation.; Document Uploaded. Please review uploaded XXXX Combined Disclosures signed at application as implication of intent to proceed. | Proof of Intent to Proceed has been provided.; Proof of Intent to Proceed has been provided.; Document provided does not indicates borrower is giving their intent to proceed. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617643 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Document Uploaded. Please review uploaded proof of appraisal delivery.; Document Uploaded. Please see attached waiver of XXX-day delivery form. ; Document Uploaded. Please review uploaded appraisal acknowledgement. | Evidence of appraisal delivery provided.; Even though the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation, they are still required to receive a copy with the closing package or prior to consummation. Provide documentation to show it was provided to the borrower. ; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617643 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617643 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617646 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The documents in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal with either the closing package or earlier to confirm it was received by the borrower timely | Document Uploaded. Please review Appraisal receipt attached. ; Document Uploaded. Please review uploaded appraisal acknowledgement. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617646 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). XXX disclosure in file is not within XXX days of the application. | Document Uploaded. Please review ARM disclosure attached. ; Document Uploaded. Please review uploaded NewRez Combined Disclosures signed XX/XX/XXXX with CHARM Booklet sharing the same DocuSign Envelope ID. | ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable.; The document provided does confirm the borrower acknowledged receipt of the charm booklet however a separate ARM disclosure covering the specific terms of the loan the borrower applied for is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617646 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Initial CD in file is dated XX/XX/XXXX and is e-signed. The signature does not contain a date to confirm the borrower received the CD at least XXX days prior to consummation. The file doesnt contain a disclosure tracking wiht the same docusign envelope to show the borrower viewed the CD timely This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Please review uploaded ABAD signed XX/XX/XXXX and initial CD dated XX/XX/XXXX that share the same Docusign Envelope ID confirming receipt and acknowledgement on the same date. | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617646 | XXX | XXXX | XXXX | Credit | Missing Doc | Purchase Contract is Incomplete | Loan Purpose is XXX but XXX Contract Doc is Incomplete Missing addendum to contract extending closing date from XX/XX/XXXX to XX/XX/XXXX - transaction date. | Unable to Resolve-Accepting Grade XXX. | Client acknowledges no cure. Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
|  | XXXXX | 3158617646 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617648 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617648 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617648 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617653 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617653 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617653 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617655 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617655 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617655 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617657 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617657 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617657 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617658 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). | Document Uploaded. Do not concur. Loan changed from Fixed to ARM. Lock Agreement attached, the ARM Disclosure was provided within three business days of product change to ARM. This is acceptable. | Switched to ARM on XX/XX/XXXX; Exception resolved; ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. | Switched to ARM on XX/XX/XXXX; Exception resolved; ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. | Rescinded |  | A |
|  | XXXXX | 3158617658 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617658 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617659 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617659 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617659 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617663 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617663 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617663 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617666 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617666 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617666 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617670 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617670 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617670 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617674 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617674 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617674 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617677 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617677 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617677 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617681 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617681 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617681 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617682 | XXX | XXXX | XXXX | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XXX Score is XXX and XXX is not relief eligible; no additional secondary valuation product provided. | Document Uploaded. Please review acceptable Secondary valuation attached. | Third party valuation product provided within tolerance.; ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided.; Documentation is sufficient. AVM provided. Exception resolved.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. AVM provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617682 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the borrower received a copy of the appraisal prior to closing. | Document Uploaded. Please review evidence of Appraisal receipt by borrower attached. | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617682 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Per guidelines if mortgage history is less than XXX-months previous housing history must be obtained to supplement. Borrowers have lived in current residence for XXX months and the XXX months history has been obtained from credit report, however, the loan file is missing rental history of former residence at XXX XXX to make the full XXX months history required by guidelines. | Do not concur. XXXX AUS guidelines State when a rental history is required by the respective Agency based on AUS method, the rental history must meet XXXX housing payment history requirements. The DU Findings in file are not requiring a rental history. | Documentation is sufficient. Housing history meets AUS requirements. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617684 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617684 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617684 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617687 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Missing proof the appraisal was provided to the borrower at least XXX days prior to consummation | Document Uploaded. Do not concur- Appraisal receipt attached please refer to item #XXX with borrower signatures and date | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617687 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617687 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617700 | XXX | XXXX | XXXX | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Missing addendum to contract updating closing date from XX/XX/XXXX to Note date XX/XX/XXXX | Do not concur. The Sales Contract page XXX of XXX B. Close of Escrow confirms the closing date is set for XXX Days after acceptance. This is acceptable. | Documentation is sufficient. Contract in effect at closing. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617700 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617700 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617703 | XXX | XXXX | XXXX | Compliance | Missing Doc | ARM Disclosure is Missing | XXX Disclosure is Missing. Provide the XXX Disclosure dated within XXX business days of application XX/XX/XXXX. | Document Uploaded. Please review ARM Disclosure attached, originally included in loan file delivery. | ARM Disclosure is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617703 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617703 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617707 | XXX | XXXX | XXXX | Credit | Assets | Asset 2 Expired | Asset XXX Expired Updated bank Statement missing for XXX account ending in XXX; it was not updated by the XXX report in XXX. XXX XXX is the last Statement in the file which is right at the XXX day mark from closing date. | Do not concur-based on product Non-Agency Jumbo AUS Guide, the account is eligible for use for asset verification. | Documentation is sufficient. Account date acceptable on day of closing. Exception resolved.; Asset XXX Expired Acceptable on the day of closing. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617707 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617707 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617708 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617708 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617708 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617709 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX | Document Uploaded. Please review Appraisal receipt to borrower attached. | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617709 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX%. Borrower's departing residence not sold as of closing, using full payment in DTI calculations. | Document Uploaded. Do not concur. The DTI of XXX% is from LP #XXX. The updated LP #XXX matches the qualifying DTI of XXX%. | Documentation is sufficient. LP Approval provided. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617709 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617710 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617710 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617710 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617717 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Affiliated Business Disclosure is missing from the file. The Privacy Notice/Disclosure on page XXX does verify that the Lender has Affiliates. | Document Uploaded. Please re-review. According to the privacy notice, XXXX. has two affiliates: XXX. XXXX (XXXX) XXX. XXXX. These affiliates are connected to XXXX through common ownership or control. If the borrower did not engage with services from XXXX or XXXX, it indicates that these affiliates were not part of the service delivery for the borrower's mortgage loan. Nonetheless, they are recognized as affiliates of the lender in the privacy notice. Borrower did not use Service Provider with names listed.; Document Uploaded. Do Not Concur-FACTS Disclosure attached, Affiliates section page XXX confirms affiliate company names. None of affiliate companies provided services to borrower based on Final Closing Disclosure. please cancel exception as this was originally included in loan file. | Lender confirmed no affiliates used in the transaction; exception resolved; Privacy policy lists affiliates "such as", unable to confirm there are no additional affiliates based on privacy policy; provide an attestation that the lender either has no affiliates or made no referral of business to the affiliates to resolve. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617717 | XXX | XXXX | XXXX | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX | Document Uploaded. Do not concur. The product for this loan is XXX-XXXX Non-Agency Amortizing XXXX (XXX/XXX/XXX). The minimum loan amount is base conforming limit for the property type, plus $XXX and the maximum is $3MM. Please cancel exception. | Documentation is sufficient. Loan amount within guidelines. Exception rescinded.; Audited Loan Amount of $XXX is less than or equal to the Guideline Maximum Loan Amount of $XXX | Documentation is sufficient. Loan amount within guidelines. Exception rescinded.; Audited Loan Amount of $XXX is less than or equal to the Guideline Maximum Loan Amount of $XXX | Rescinded |  | A |
|  | XXXXX | 3158617717 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617719 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617719 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617719 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617731 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617731 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617731 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617737 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617737 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617737 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617742 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617742 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617742 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617744 | XXX | XXXX | XXXX | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Document Uploaded. Please review Homeownership Counseling disclosure attached, originally included in loan file. | Homeownership Counseling Disclosure Is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617744 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617744 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617745 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Document Uploaded. Please review Appraisal receipt of borrower attached. ; Document Uploaded. Do not concur-Please see attached, document confirms that the borrower, Hyrum M Smith, acknowledged receipt of the appraisal or valuation report. The borrower signed the document, indicating that they received each valuation report at least three business days prior to the loan closing. This acknowledgment is evidenced by the borrower's signature and the date on the document. | Evidence of appraisal delivery provided.; The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation because they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal at or prior to consummation to confirm it was received by the borrower timely | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617745 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617745 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617751 | XXX | XXXX | XXXX | Property | Missing Doc | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. Missing post-disaster inspection; XXX | Document Uploaded. Please review Property Disaster Inspection attached | Documentation is sufficient. Post Disaster Inspection provided. Exception resolved.; FEMA Post Disaster Inspection report was provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617751 | XXX | XXXX | XXXX | Property | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Missing post-disaster inspection; XXX | Document Uploaded. Please review Property Disaster Inspection attached | Documentation is sufficient. Post Disaster Inspection provided. Exception resolved.; Property Inspection Provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617751 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617751 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the recording fee ($XXX of the LC cure was applied that was remaining after applying $XXX to the transfer tax). A COC is required to determine if the increase is valid. | Document Uploaded. Do not Concur. The First Time HomeBuyer wiaver changed with valid CICs XXX due to the customer requested a higher loan amount. The customer requesting higher loan amount decreased the loan points and is a valid reasoning to increase the recording fees to $XXX on the final LE which disclosed timely; Document Uploaded. Do not Concur. A CIC is being requested which we do not have. That is why the system cured the recording fee at closing in the amount of $XXX. Please see attached baseline screen. ; Document Uploaded. Do not Concur. Recording fees reset the baseline on CDv1. They decreased from the final LE. Then valid CIC for product change occurerd XXX which increased recording fees to $XXX which the loan closed with. No cure due back. ; Document Uploaded. Do not Concur. Recording fees are already cured at closing. Ten percent baseline is $XXX. Actual charged was $XXX. Cured at closing $XXX | Valid COC for program change provided; Exception resolved; The initial LE shows a recording fee of $XXX and the final CD was $XXX. That requires a cure of $XXX, however only $XXX was provided for a cure amount. If a revised disclosure is being used as the new baseline, it would required a valid COC otherwise the initial LE is the baseline for tolerance calculations; The COC provided dated XX/XX/XXXX shows a change of a product type from an Arm to a fixed but the CD dated XXX/XXX shows it listed as an ARM and the increase to recording fees to $XXX was only disclosed on XX/XX/XXXX which is not within XXX business days of the COC. Provide a valid COC for the increase in recording fees where it increased from $XXX on the initial LE to $XXX on the revised LE dated XX/XX/XXXX; A cure was provided however there is no valid COC for the increase on the LE dated XX/XX/XXXX where it appears to have been rebaselined to $XXX The initial LE shows a recording fee of $XXX and the final CD was $XXX. That requires a cure of $XXX, however only $XXX was provided for a cure amount. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. incorrect COC date entered; exception resolved incorrect COC date entered; exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. incorrect COC date entered; exception resolved incorrect COC date entered; exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. incorrect COC date entered; exception resolved incorrect COC date entered; exception resolved | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. incorrect COC date entered; exception resolved incorrect COC date entered; exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Project Processing Fee. A COC is required to determine if this is a valid increase. | Document Uploaded. Do not Concur. Valid CIC for property type XXX. LEv4 disclosed timely same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). This loan failed the lender credits that cannot decrease test. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the lender credit. A COC is required to determine if this was a valid change. | Document Uploaded. Do not Concur. Do not see where lender credits were ever $XXX. Loan locked with loan discount points of $XXX which ended up decreasing at closing. Please specify what document this exception is referring to. | No lender credits provided; Exception resolved; No lender credits provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). | Document Uploaded. Do not Concur. Valid CIC for change in the term from Fix to Arm XXX. CDv3 discloed timely same day and customers signed the Arm disclosure | ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Property | Property | Condo project is ineligible | Subject XXX project is ineligible for agency as project's phase is incomplete. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low LTV, good disposable income, XXX FICO on conservative credit use, lower than max DTI, solid reserves. Exception downgraded to a level 2/B. | Subject XXX project is ineligible for agency as project's phase is incomplete. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low LTV, good disposable income, XXX FICO on conservative credit use, lower than max DTI, solid reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: low LTV, good disposable income, XXX FICO on conservative credit use, lower than max DTI, solid reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617756 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617761 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617761 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617761 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617762 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617762 | XXX | XXXX | XXXX | Property | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines Project declined due to per unit water damage deductible exceeds XXX%. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: strong assets/reserves, good disposable income. Exception downgraded to a level 2/B. | HOA Does Not Meet Guidelines Project declined due to per unit water damage deductible exceeds XXX%. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: strong assets/reserves, good disposable income. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: strong assets/reserves, good disposable income. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617762 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617763 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The Intent to Proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617763 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617763 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617764 | XXX | XXXX | XXXX | Compliance | Missing Doc | Other Rider is Missing | Trust rider is missing | Do not Concur. A trust rider is not required on an Irrevocable Trust Rider. ; Document Uploaded. Do not Concur. See page XXX of the security instrument. The Trust rider is not required. | Documentation is sufficient. Trust Rider not required. Exception resolved.; A Trust Rider should have been signed at closing, and should be one of the required Riders. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617764 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617764 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617764 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617766 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Recording Fee. | Document Uploaded. Do not Concur. Valid CIC for Power of Attorney being added. CDv2 disclosed timely next day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617766 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617766 | XXX | XXXX | XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements. File only contains XXX pages of account Statement. Lender exception in file granting exception for asset documentation supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Asset Qualification Does Not Meet Guideline Requirements. File only contains XXX pages of account Statement. Lender exception in file granting exception for asset documentation supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for asset documentation supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617766 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing evidence of XXX year continuance of distribution income. XXX of XXX plans have required continuance documented. Lender exception in file granting exception for income supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines File is missing evidence of XXX year continuance of distribution income. XXX of XXX plans have required continuance documented. Lender exception in file granting exception for income supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for income supported by the following compensating factors: high FICO, XXX credit, XXX reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617766 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617767 | XXX | XXXX | XXXX | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present - Borrower 1 name on Note/Deed of Trust/XXX Contract reflect XXX vs Title policy being XXX | Document Uploaded. Final Title Policy provided | Documentation is sufficient. Updated Title document provided. Exception resolved.; Title Document is fully Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617767 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617767 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617767 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617769 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing Missing documentation | customer is not using self employment income only Note receivable income | Documentation is sufficient. CPA letter not required for Note income. Exception resolved.; Borrower 1 CPA Letter Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158617769 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing documentation | Document Uploaded. customer is not using self employment income only Note receivable income | Documentation is sufficient. Promissory Note provided. VOE not required. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158617769 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617769 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617770 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Without evidence of receipt, it is assumed that the Closing Disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure at least XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do Not Concur. The closing disclosure was received electronically by the customer three days prior to closing. | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617770 | XXX | XXXX | XXXX | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | This loan failed the revised loan estimate delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The revised loan estimate delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms. The revised LE/COC timing is failing due to missing evidence of the initial CD receipt date. The defect can be cured by providing evidence that shows the consumer received the initial Closing Disclosure at least XXX business days prior to consummation. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617770 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617770 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617775 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617775 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617775 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617778 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617778 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617778 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617780 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. |  | Resolved | XXXX | B A |
|  | XXXXX | 3158617780 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617780 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617781 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. |  | Resolved | XXXX | B A |
|  | XXXXX | 3158617781 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617781 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617783 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617783 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617783 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617784 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617784 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617784 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Showing evidence that the borrower signed the intent to proceed within XXX business days of application, XX/XX/XXXX, XXX cure the violation. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either: "USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, XX/XX/XXXX. Initial CD dated XX/XX/XXXX. Showing evidence that the borrower received the disclosure at least XXX business days prior to consummation XXX cure the violation. | Document Uploaded. Do Not Concur. The closing disclosure was received electronically by the customer timely prior to closing. | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit that cannot decrease violation in the amount of $XXX is due to decrease from $XXX to $XXX. The change occurred on CD dated XX/XX/XXXX. Providing a valid reason for the change XXX cure the violation. | Document Uploaded. Do Not Concur. Please see system snips of valid changes in circumstance that allowed the lender credit to adjust. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (3) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (3) (i)) XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for processing fee, $XXX to XXX for credit report fee and $XXX to $XXX for ID verification. The changes occurred on LE dated XX/XX/XXXX. No COC was found in file, providing a valid reason for the changes XXX cure the violation. | Document Uploaded. Do Not Concur. The loan estimate that was disclosed on XX/XX/XXXX was the first LE v1 which initially disclosed fees to the customer. | Initial LE confirmed; Exception resolved; Initial LE confirmed; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617789 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Provide legible copy of initial LE dated XX/XX/XXXX, revised LE dated XX/XX/XXXX, and initial CD dated XX/XX/XXXX. Unable to complete accurate compliance testing as fee amounts not legible. | Document Uploaded. As requested-see attached documentation | Legible LEs provided; Exception resolved; Legible LEs provided; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required- Missing documentation to verify date initial CD dated XX/XX/XXXX was delivered to the Borrower. | Document Uploaded. Do not Concur. Initial CD is not dated XXX. It's dated XXX. And was sent via DocMagic same day | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- eSigned documents consent | Document Uploaded. Do not Concur. Signed E-consent document is within the app package | Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required- Homeownership Counseling Disclosure | Document Uploaded. Do not Concur. Homeownership counceling is within the application package | Homeownership Counseling Disclosure Is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617793 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617797 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. The loan failed the initial closing disclosure delivery date test. Without evidence of receipt, it is assumed that the Initial CD dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure XXX days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. Downgraded due to SOL | Document Uploaded. Do Not Concur. The closing disclosure was received electronically by the customer timely prior to closing. | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617797 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617797 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617804 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617804 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617804 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617805 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617805 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617805 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617811 | XXX | XXXX | XXXX | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Document Required: Missing Final Closing Disclosure | Document Uploaded. Attached signed CD | TRID: Final Closing Disclosure Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617811 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need HOA information on REO property. | Document Uploaded. | Documentation is sufficient. HOA documentation provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617811 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Intent to Proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617811 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition/increase: - The Transfer Taxes increased from $XXX to $XXX on the initial CD dated XX/XX/XXXX. The file does not contain a valid COC for the addition/increase of these fees. The lender provided a tolerance cure of $XXX on the initial CD dated XX/XX/XXXX to resolve the transfer fee increase; however, this cure amount was later removed. | Document Uploaded. See attached loan history. XXXX reviewed the sales contract on XXX. This is when and why the property type CIC fired due to the change in property. CDv1 disclosed timely; Document Uploaded. Do not Concur. Per signed sales contract the borrower is to pay all of the transfer tax. Also the property type change is a valid CIC for transfer tax change. ; Document Uploaded. Do not Concur. Valid CIC for property type XXX. CDv1 disclosed same day | Valid COC provided; Exception resolved; Confirm the date the purchase agreement was received for review. A change in property type is not a valid reason for transfer taxes to increase, the county does not contain differing costs for property types. ; Provide clarification on reason for transfer taxes increasing, change from SFR to PUD would not be considered a sufficient reason for an increase to transfer taxes | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements - Missing evidence of XXX months rental history required per loan approval in file | Business updated for the Non-Agency Rental Housing Reference Requirements, disregard outdate TI and Turbo messaging related to the documentation of rental housing history and follow published guidelines, Folder Received XX/XX/XXXX. The occupying customer's rental housing payment is not required to be verified when purchasing a new owner occupied/primary residence. | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Housing History Meets Guideline Requirements | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Credit | Eligibility | Missing Property Tax Cert | Missing Property Tax Cert - The tax information document in file do not match the amount of $XXX per month used by lender to calculate DTI. | Property is new construction and the land was given the amount of XXX for taxes but title analyst Called County and talked to Title confirmed that the county est taxes are around $XXX. Uw used the higher amount | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Property Tax Cert Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Final CD reflects XXX HOA's: XXX to XXX for $XXX/mth and XXX to XXX XXXX for $XXX and XXX District $XXX but the loan file only reflects XXX on Appraisal | Document Uploaded. Contract shows XXX HOA that total XXX a month | Documentation is sufficient. Contract shows all XXX HOA companies. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617819 | XXX | XXXX | XXXX | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX |  | Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
|  | XXXXX | 3158617820 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617820 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617820 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617824 | XXX | XXXX | XXXX | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Missing addendum to contract extending expiration date of XX/XX/XXXX to Note date XX/XX/XXXX. | Document Uploaded. Chase does not require purchase contracts extensions, see the attached Purchase Agreement Reviewer (PAR) procedures, step XXX speaks to the dates of the contract and there is no requirement to add a condition or tracking item to extend the contract. | Purchase Agreement policies and procedures provided. Guidelines do not require extension to contract. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617824 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required- Missing documentation to verify date initial CD dated XX/XX/XXXX was delivered to the Borrower. | Document Uploaded. Do not Concur. Initial Cd sent via DocMagic XXX | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617824 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617824 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. Borrower's rental history is incomplete and isolated late payment. Lender exception in file granting exception for rental history supported by the following compensating factors: stable employment, high FICO, reserves, high disposable income, low DTI. Exception downgraded to a level 2/B. | Housing History Does Not Meet Guideline Requirements. Borrower's rental history is incomplete and isolated late payment. Lender exception in file granting exception for rental history supported by the following compensating factors: stable employment, high FICO, reserves, high disposable income, low DTI. Exception downgraded to a level 2/B. | Lender exception in file granting exception for rental history supported by the following compensating factors: stable employment, high FICO, reserves, high disposable income, low DTI. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617824 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617826 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617826 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617826 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617827 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617827 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617827 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617836 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Showing evidence that the borrower signed the intent to proceed within XXX business days of application, XX/XX/XXXX, XXX cure the violation. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617836 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617836 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617837 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617837 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617837 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrower credit history does not meet minimum requirements. Missing XXX months history. Lender exception in file granting exception for credit history supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Borrower credit history does not meet minimum requirements. Missing XXX months history. Lender exception in file granting exception for credit history supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for credit history supported by the following compensating factors: stable employment, high disposable income, good ratios, high FICO, good assets/reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617837 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617840 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The ITP is missing. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617840 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender granted exception for tradelines/thin file supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender granted exception for tradelines/thin file supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | Lender granted exception for tradelines/thin file supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617840 | XXX | XXXX | XXXX | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Guidelines allow XXX maximum acres whereas property has XXX acres. Lender granted exception for acreage supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | Property/Appraisal guideline violation: Guidelines allow XXX maximum acres whereas property has XXX acres. Lender granted exception for acreage supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | Lender granted exception for acreage supported by the following compensating factors: XXX years on self-employed, for B1 XXX years on job for B2job, disposable income, reserves after closing from sale, and REO equity. Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617841 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617841 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Payment history documentation does not reflect dates of payments received. Lender exception in file granting exception for use of temporary housing payment history for XXX and XXX XXX supported by the following compensating factors: XXX mortgage history, stable employment, high FICO, low DTI and good reserves. Exception downgraded to a level 2/B. | Housing History Does Not Meet Guideline Requirements Payment history documentation does not reflect dates of payments received. Lender exception in file granting exception for use of temporary housing payment history for XXX and XXX XXX supported by the following compensating factors: XXX mortgage history, stable employment, high FICO, low DTI and good reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for use of temporary housing payment history for April and May XXX supported by the following compensating factors: XXX mortgage history, stable employment, high FICO, low DTI and good reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617841 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617842 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the lender credit. A COC is required to determine if this was a valid change. | Do not Concur. Premium pricing and loan discount points can float until the loan locks. XXXX is requesting an invalid CIC due to the loan did not lock unil XXX and that CIC has already been sent multiple times. ; Do not Concur. Valid CIC for initial loan lock already sent. The iniital loan lock is the valid CIC; Document Uploaded. Do not concur. Initial loan lock did not happen until XXX. Loan points and premium pricing can continue to change until this happens. The loan locked with $XXX premium pricing. | Lender provided COC dated XXX/XXX; exception resolved; The COC provided is dated XXX/XXX but the lender credits decreased on the XXX/XXX LE. Provide a valid COC within XXX days prior to the Revised LE; A change to lender credits requires a valid COC regardless of if the loan was locked or not. Provide a reason the lender credits decreased on XX/XX/XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617842 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617842 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617842 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617843 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617843 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617843 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617845 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617845 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617845 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617845 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617850 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. - The rate was locked on XX/XX/XXXX at XXX% with Lender Credits of $XXX. However, the Final CD which reflected Lender Credits of $XXX was issued on XX/XX/XXXX, which was more than XXX business days later. The revised CD dated XX/XX/XXXX (pg. XXX) included Lender Credits of $XXX. The Changed Circumstance form (rate lock) issued on XX/XX/XXXX was issued more than XXX business days prior to the date of the final CD, dated XX/XX/XXXX. | Document Uploaded. Do not Concur. Valid CIC for initial loan lock occurred XXX. CD disclosed timely same day. ; Document Uploaded. Do not Concur. Valid CICs for loan amount and loan points occurred XXX. CDv3 disclosed timely next day. | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; Valid COC provided; Exception resolved; This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; The total lender credit decreased on the CD dated XX/XX/XXXX but the COC provided was dated XX/XX/XXXX, provide a valid COC for the credit decrease dated prior to the initial CD | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617850 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). Invalid date entered; exception resolved Invalid date entered; exception resolved | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). Invalid date entered; exception resolved Invalid date entered; exception resolved | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). Invalid date entered; exception resolved Invalid date entered; exception resolved | This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). This loan failed the initial closing disclosure delivery date and changed circumstances date test. (XXX CFR §XXX(e) (XXX) (iv) (A) - (C) , (E) , (F) , and (D) as amended in XXX, and XXX CFR §XXX(e) (XXX) (i)) The initial closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (i) (revised loan estimate disclosure) and §XXX(e) (XXX) (ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §XXX(e) (XXX) (i) and (ii) , the creditor shall provide a revised version of the disclosures required under §XXX(e) (XXX) (i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXX(e) (XXX) (iv) (A) through (C) , (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §XXX(e) (XXX) (iv) (D). The revised version of the disclosures required under §XXX(e) (XXX) (i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f) (XXX) , lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §XXX(e) (XXX) (ii) Relationship to disclosures required under §XXX(f) (XXX) (i).Revised disclosures XXX not be delivered at the same time as the Closing Disclosure. §XXX(e) (XXX) (ii) prohibits a creditor from providing a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i)...However, if a creditor uses a revised estimate pursuant to § XXX(e) (XXX) (iv) for the purpose of determining good faith under § XXX(e) (XXX) (i) and (ii) , § XXX(e) (XXX) (i) permits the creditor to provide the revised estimate in the disclosures required under § XXX(f) (XXX) (i) (including any corrected disclosures provided under § XXX(f) (XXX) (i) or (ii)). Invalid date entered; exception resolved Invalid date entered; exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617850 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617850 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617850 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the lender credit. A COC is required to determine if this decrease was valid. | Document Uploaded. Do not Concur. Initial loan lock occurred XXX. Premium pricing locked in at $XXX. Customer actually gained more at closing. No CIC required for an increase in Premium pricing | Corrected fees on the initial CD; exception resolved; Corrected fees on the initial CD; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing | Document Uploaded. XXX-Do not Concur. Attached signed Arm disclosure for proof of receipt | CHARM Booklet is Present or Not Applicable | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal was sent via DocMagic XXX | Evidence of appraisal delivery provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617851 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617853 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617853 | XXX | XXXX | XXXX | Credit | Title | Property Title Issue | Property Title Issue Vesting is in an XXX. Lender exception in file granting exception for vesting in XXX supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Property Title Issue Vesting is in an XXX. Lender exception in file granting exception for vesting in XXX supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Lender exception in file granting exception for vesting in LLC supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617853 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender guidelines only allow the transaction for a XXX XXX and have XXX other properties. The Borrower has XXX including current XXX, exceeding guidelines. Lender exception in file granting exception supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Housing History Does Not Meet Guideline Requirements Lender guidelines only allow the transaction for a XXX XXX and have XXX other properties. The Borrower has XXX including current XXX, exceeding guidelines. Lender exception in file granting exception supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Lender exception in file granting exception supported by the following compensating factors: high FICO, XXX reserves, disposable income and long term employment. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617853 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617854 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617854 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617854 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617860 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617860 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617860 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617861 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617861 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617861 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX yr history of W2 not provided. Borrowers employed in XXX and W2s not available. Lender exception in file granting exception for income supported by the following compensating factors: good disposable income, additional income not used in qualifying, good housing payment history. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines XXX yr history of W2 not provided. Borrowers employed in XXX and W2s not available. Lender exception in file granting exception for income supported by the following compensating factors: good disposable income, additional income not used in qualifying, good housing payment history. Exception downgraded to a level 2/B. | Lender exception in file granting exception for income supported by the following compensating factors: good disposable income, additional income not used in qualifying, good housing payment history. Exception downgraded to a level 2/B. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617861 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617862 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617862 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta Disclosure provided | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617862 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617862 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617865 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617865 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirements for expanded DTI. Lender granted exception for DTI > XXX% supported by the following compensating factors: XXX years on job, disposable income, reserves, experience managing rentals and REO equity. Exception is non-material and graded as level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirements for expanded DTI. Lender granted exception for DTI > XXX% supported by the following compensating factors: XXX years on job, disposable income, reserves, experience managing rentals and REO equity. Exception is non-material and graded as level 2/B. | Lender granted exception for DTI > XXX% supported by the following compensating factors: XXX years on job, disposable income, reserves, experience managing rentals and REO equity. Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617865 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617866 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower's length of employment contract does not meet guidelines. Based on the contract, the initial term covers XXX year and shall automatically be renewed for another year. It is common for customers who work in the educational industry, such as teachers, to be employed under renewable or term employment contracts. There is no indication in the employment contract that the income will not continue for the next XXX years. Lender exception in file granting exception for employment supported by the following compensating factors: high FICO, good credit history, good disposable income, low DTI, low LTV, strong employment history. Exception downgraded to a level 2/B. | Document Uploaded. Loan was approved with an Exception for the Employment Contract as noted on the Universal Exception Form. Please reduce to a Level XXX. | Guidelines requires the employment contract to be ongoing for XXX years. The file does not have the proof of the XXX year requirement. However, and exception was approved, citing compensating factors of the Borrower has been in the same line of work for XXX years, the initial contract covers at lease one year and automatically renews each year, good credit score high disposable income, low DTI, Borrower has Chase DDA accounts, good credit history, low LTV and strong employment history. Acknowledged and downgraded.; Lender exception in file granting exception for employment supported by the following compensating factors: high FICO, good credit history, good disposable income, low DTI, low LTV, strong employment history. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617866 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the points-loan discount fee. The change occurred on LE dated XX/XX/XXXX without a valid COC. Providing a valid reason for the change XXX cure the violation. | Document Uploaded. Do not Concur. Expiration change and valid CIC for loan points occurred XXX. LEv2 disclosed timley XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617866 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing from the loan file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617866 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The (FACTA) Notice to the home loan applicant is missing from the loan file. | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617866 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617869 | XXX | XXXX | XXXX | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Missing addendum to contract extending closing date from XX/XX/XXXX to XX/XX/XXXX - closing date | Document Uploaded. Chase does not require purchase contracts extensions, see the attached Purchase Agreement Reviewer (PAR) procedures, step XXX speaks to the dates of the contract and there is no requirement to add a condition or tracking item to extend the contract. | Purchase Agreement policies and procedures provided. Guidelines do not require extension to contract. Condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617869 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Without evidence of receipt, it is assumed that the Closing Disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure at least XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. This exception is downgraded due to the expiration of SOL. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Do not Concur. Initial CD sent via DocMagic XXX | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617869 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617869 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Borrower qualified on base salary only and eligible for future bonus. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good credit and mortgage payment history, high FICO, high disposable income, equity in XXX. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Borrower qualified on base salary only and eligible for future bonus. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good credit and mortgage payment history, high FICO, high disposable income, equity in XXX. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good credit and mortgage payment history, high FICO, high disposable income, equity in OREO. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617869 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617872 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617872 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617872 | XXX | XXXX | XXXX | Credit | Income/Employment | Income documentation does not meet guidelines | The WVOE provided includes a termination date but does show income after that, using paystubs instead. Lender exception in file for income documentation supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | The WVOE provided includes a termination date but does show income after that, using paystubs instead. Lender exception in file for income documentation supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | Lender exception in file for income documentation supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617872 | XXX | XXXX | XXXX | Property | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines The XXX questionnaire reports that they are aware of a structural repairs and mold remediation due flooding issue. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | HOA Does Not Meet Guidelines The XXX questionnaire reports that they are aware of a structural repairs and mold remediation due flooding issue. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: high FICO, higher than minimum reserve requirement, high disposable income, lower than maximum LTV. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617874 | XXX | XXXX | XXXX | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed The returns provided have not been signed. | Document Uploaded. | Documentation is sufficient. Tax return verification acceptable. Exception resolved.; Borrower 1 Tax Returns Are Signed | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617874 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617874 | XXX | XXXX | XXXX | Credit | Eligibility | Loan does not conform to program guidelines | Borrower not taking occupancy within XXX days of closing. Lender exception in file granting exception for occupancy supported by the following compensating factors: high FICO, reserves, high disposable income, and DTI. Exception downgraded to a level 2/B. | Borrower not taking occupancy within XXX days of closing. Lender exception in file granting exception for occupancy supported by the following compensating factors: high FICO, reserves, high disposable income, and DTI. Exception downgraded to a level 2/B. | Lender exception in file granting exception for occupancy supported by the following compensating factors: high FICO, reserves, high disposable income, and DTI. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617874 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617879 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of transfer taxes on LE XX/XX/XXXX without a COC. Downgraded due to expired SOL. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not concur. XXXX received the sales contract and valid CIC XXX. The transfer tax was agreed on the customer paying them. LEv5 disclosed timely same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617879 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617879 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617879 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617879 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617884 | XXX | XXXX | XXXX | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX. Lender exception in file granting exception for loan amount supported by the following compensating factors: stable employment, good reserves, low LTV. Exception downgraded to a level 2/B. | Audited Loan Amount of $XXX is less than the Guideline Minimum Loan Amount of $XXX. Lender exception in file granting exception for loan amount supported by the following compensating factors: stable employment, good reserves, low LTV. Exception downgraded to a level 2/B. | Lender exception in file granting exception for loan amount supported by the following compensating factors: stable employment, good reserves, low LTV. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617884 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617884 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617884 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617885 | XXX | XXXX | XXXX | Property | Property | Condo project is ineligible | XXX does not meet eligibility requirements as unsafe rating on XXX website. Project is going under XXX restoration project. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low LTV, good credit, good disposable income, strong assets/reserves. Exception downgraded to a level 2/B. | XXX does not meet eligibility requirements as unsafe rating on XXX website. Project is going under XXX restoration project. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low LTV, good credit, good disposable income, strong assets/reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: low LTV, good credit, good disposable income, strong assets/reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617885 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617885 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617886 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617886 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617886 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617887 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in Appraisal Update Fee from $XXX on the initial LE to $XXX on the final CD without a valid COC provided. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. Valid CIC for the appraisal being re-used XXX. LEv5 disclosed same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617887 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617887 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617888 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase in the discount points without a valid COC in file This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. Initial loan lock did not happen until XXX. CDv4 disclosed same day | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617888 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617888 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617888 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617889 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617889 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617889 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617893 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617893 | XXX | XXXX | XXXX | Credit | Missing Doc | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard policy is a XXX Plan that only covers Fire. Per lender guidelines coverage must include, at a minimum, windstorm, riot or civil commotion, hail, and damage caused by aircraft, vehicle, or explosion. | Document Uploaded. Do Not Agree, customer has sufficient coverage | Documentation is sufficient. Coverage provided is acceptable. Exception resolved.; Hazard Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617893 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Letter of Explanation (Assets) | Missing XXX% Access Letter of Explanation as spouse is also on XXX #XXX, and #XXX bank accounts. | XXXX guidelines do not require access letters | Documentation is sufficient. Assets are acceptable. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617893 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing Missing Final 1003 with an executed date of XX/XX/XXXX; XXX provided was dated XX/XX/XXXX for B1 and XX/XX/XXXX for B2 | Document Uploaded. Do Not Agree, Providing Loan Application with DocMagic eSign Consent as loan was a Hybrid closing | Documentation is sufficient. XXX provided. Exception resolved.; The Final 1003 is Present | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Rescission Finance Charge Test | This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TILA rescission finance charge test.(XXX CFR §XXX(g) (XXX) , transferred from XXX CFR §XXX(g) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | TRID | TRID Total of Payments Test | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | TRID | TRID Rescission Total of Payments Test | This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. This loan failed the TRID rescission total of payments test. (XXX CFR §XXX(g) (XXX) (ii)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate for purposes of rescission because it is underStated by more than XX/XX/XXXX of XXX percent of the face amount of the note or $XXX, whichever is greater. Uw changed it to invalid index; Exception resolved Uw changed it to invalid index; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to decrease in Lender Credit from $XXX to $XXX on CD XX/XX/XXXX. It appears the decrease is due to the loan amount going down however, unable to locate COC or loan commitment that was dated within XXX days of the re-disclosure. This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not concur. Valid CIC for loan amount XXX. CDv4 disclosed next day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617897 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617899 | XXX | XXXX | XXXX | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Title endorsement required with correct mortgagee amount of $XXX. | Document Uploaded. Do Not Agree, Final Title Policy provided. | Documentation is sufficient. Final Title Policy provided. Exception resolved.; Title Document is fully Present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617899 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Borrower is missing updated XXX documentation. The copy in file expired in XX/XX/XXXX | Document Uploaded. see attached | Documentation is sufficient. I-XXX document provided. Exception resolved.; Borrower Identification Document provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617899 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617899 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, stable employment history, increasing income and strong disposable income, low DTI. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, stable employment history, increasing income and strong disposable income, low DTI. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, stable employment history, increasing income and strong disposable income, low DTI. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617899 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617904 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617904 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617904 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617906 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617906 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617906 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617907 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617907 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617907 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617912 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617912 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617912 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617915 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617915 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Loan does not meet Core requirements for expanded DTI. Lender granted exception for DTI > XXX% supported by the following compensating factors: years on job, XXX x XXX on mortgage, reserves in retirement, and REO equity. Exception is non-material and graded as level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX% Loan does not meet Core requirements for expanded DTI. Lender granted exception for DTI > XXX% supported by the following compensating factors: years on job, XXX x XXX on mortgage, reserves in retirement, and REO equity. Exception is non-material and graded as level 2/B. | Lender granted exception for DTI > XXX% supported by the following compensating factors: years on job, XXX x XXX on mortgage, reserves in retirement, and REO equity. Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617915 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to the decrease in fees paid by the lender from the initial CD to the revised/final CD This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Document Uploaded. Do not Concur. Valid CIC for loan amount XXX. CDv2 disclosed timely same day COC provided; Exception resolved This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to the decrease in fees paid by the lender from the initial CD to the revised/final CD This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Document Uploaded. Do not Concur. Valid CIC for loan amount XXX. CDv2 disclosed timely same day COC provided; Exception resolved This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of $XXX is due to the decrease in fees paid by the lender from the initial CD to the revised/final CD This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Document Uploaded. Do not Concur. Valid CIC for loan amount XXX. CDv2 disclosed timely same day COC provided; Exception resolved This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to the Initial Loan Estimate missing. Please provide the Loan Estimate so we can test tolerances. | Document Uploaded. Do not concur. LEv1 already imaged | Initial LE and SSPL provided; Exception resolved; Initial LE and SSPL provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Initial LE provided; Exception resolved Initial LE provided; Exception resolved | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Initial LE provided; Exception resolved Initial LE provided; Exception resolved | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Initial LE provided; Exception resolved Initial LE provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | Missing Doc | TRID: Missing Loan Estimate | No evidence an initial LE or any revised LE's were issued. Could not locate any in the loan package. | Document Uploaded. Do not concur. LEv1 already imaged | Initial LE provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. There's no evidence an initial CD was issued a minimum of XXX days prior to closing. Numerous CD's were provided, but only the final dated XX/XX/XXXX was legible. Please provide all CD's issued to the borrower. | Document Uploaded. Do not concur. Attached CD's | Initial CD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal sent via DocMagic XXX | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617919 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617922 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the Lender Credit (Lender Paid Fees on ICD XX/XX/XXXX) | Document Uploaded. Do Not Concur. The lender credit decreased to zero on Closing Disclosure v XXX due to subsidy changes, this occured prior to the loan locking and pricing can float and change prior to the loan bein glocked without a CIC and re-disclosure.; Do Not Concur. Unable to locate an initial disclosure with a lender credit of $XXX | COC provided due to subsidy change; Exception resolved; The file contains a CD dated XX/XX/XXXX which shows $XXX in fees paid by the lender. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617922 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Recording fee. | Do Not Concur. This has already been cured for $XXX | Cure provided on the CD; exception resolved; Cure provided on the CD; exception resolved |  | Rescinded |  | C A |
|  | XXXXX | 3158617922 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617922 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617922 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617927 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided.; ITP received | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617927 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617927 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617928 | XXX | XXXX | XXXX | Credit | Eligibility | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. The final CD reflects a seller credit of $XXX with a sales price of $XXX. | Our ltv is XXX in out system we entered the XXX in as a Spec use concession which back it out of the purchase price. Loan amount of XXX purchase price of XXX and XXX seller concession gives an LTV of XXX | Audited Interested Party Contribution is less than or equal to Guideline Program Maximum. Lender reduced sales price for excess IPC. LTV/CLTV of XXX% meets guidelines. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617928 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617928 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617929 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Credit finding present. Rescinded; Informational Only |  | Rescinded |  | A |
|  | XXXXX | 3158617929 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Co-borrower's employment does not commence until after Note date which is not permitted on XXX transaction. Lender exception in file granting exception for employment supported by the following compensating factors: prior long-term employment, XXX reserves, high FICO, low LTV. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines Co-borrower's employment does not commence until after Note date which is not permitted on XXX transaction. Lender exception in file granting exception for employment supported by the following compensating factors: prior long-term employment, XXX reserves, high FICO, low LTV. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: prior long-term employment, XXX reserves, high FICO, low LTV. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617929 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617929 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617932 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of the appraisal fee of $XXX on LE dated XX/XX/XXXX without valid COC. | Document Uploaded. File was eligible for ACE Appraisal Waiver up until XX/XX/XXXX when TI XXX ACE Appraisal Waiver Eligibility was cancelled, this is why the fee came back on CD V3. Appraisal revision requested on XX/XX/XXXX and sent to customer on XX/XX/XXXX. The main reason was losing the Appraisal Eligibility. ; Document Uploaded. Do not Concur. Valid CIC for product change XXX. LEv2 disclosed timely same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; Provide clarification on the reason for the appraisal fee being added. The COC provided indicated the loan went from a fixed to an ARM but did not clarify a reason for an appraisal fee being required | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617932 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617932 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617932 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617933 | XXX | XXXX | XXXX | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present Policy in file is missing an effective date | Document Uploaded. Do Not Agree Final Title Policy provided | Title Document is fully Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617933 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617933 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617935 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan discount points. The increase occurred on LE dated XX/XX/XXXX due to a change in rate however there was not a COC, loan approval or revised rate lock in file to confirm when the change occurred. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do Not Concur. Please see valid CIC for loan rate change which impacted discount points, LEv5 disclosed timely with $XXX in discount points and this decreased until closing. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158617935 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617935 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617935 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617936 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617936 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617936 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617941 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617941 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617941 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617945 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617945 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617945 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the Initial Loan Estimate dated within XXX days of application missing. The LE sets the baseline for testing, fees in section A and B are failing. Please provide the Initial LE dated within XXX days of application XX/XX/XXXX so we can test properly. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Verified application date; Exception resolved; Verified application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to the Initial Loan Estimate dated within XXX days of application missing. The LE sets the baseline for testing. Please provide the Initial LE dated within XXX days of application XX/XX/XXXX so we can test properly. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely.; TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $XXX is due to the Initial Loan Estimate dated within XXX days of application missing. The LE sets the baseline for testing, fees in section A and B are failing. Please provide the Initial LE dated within XXX days of application XX/XX/XXXX so we can test properly. | Verified application date; Exception resolved; Verified application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Provide the initial Loan Estimate dated within XXX business days of application XX/XX/XXXX. Initial LE provided was XX/XX/XXXX but everything in file has an application date of XX/XX/XXXX. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Verified application date; Exception resolved; Verified application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | Document already Uploaded. This loan is not set up to be escrowed, please see pg1 of the signed CD as it says "no" in the escrow section.; Document Uploaded. This loan is not set up to be escrowed, please see pg1 of the signed CD as it says "no" in the escrow section. | Initial Escrow Account Disclosure is Resolved- Legible copy of CD provided by the client to show loan has no Escrows as original CD view was corrupted.; Initial Escrow Account Disclosure is Missing | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617947 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617952 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required- Missing documentation to verify date initial CD dated XX/XX/XXXX was delivered to the Borrowers. | Document Uploaded. Do not Concur. Initial CD was sent via DocMagic XXX | initial CD receipt date provided; Exception resolved; initial CD receipt date provided; Exception resolved |  | Resolved | XXXX | C A |
|  | XXXXX | 3158617952 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. |  | Resolved | XXXX | B A |
|  | XXXXX | 3158617952 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617952 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617955 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing The file is missing the XXX Disclosure. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do Not Concur. Please see signed ARM Disclosure that acknowledges customer receipt of CHARM booklet. | CHARM Booklet is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617955 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The Intent to Proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617955 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617955 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for thin credit file supported by the following compensating factors: Strong equity in XXX, LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for thin credit file supported by the following compensating factors: Strong equity in XXX, LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for thin credit file supported by the following compensating factors: Strong equity in OREO, LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617956 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The only legible CD in file is the final CD dated XX/XX/XXXX. Please provide legible Initial CD as well as any subsequent CD's. Additional testing will be completed once received. Downgraded due to expired SOL. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Please see CD version XXX uploaded; Document Uploaded. Do Not Concur. Closing Disclosures were viewed electronically, please see electronic viewing history provided. | Initial CD and receipt date provided; Exception resolved; Initial CD and receipt date provided; Exception resolved; Initial CD receipt date provided but the file doesnt contain a copy of the CD, provide the initial CD for review. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617956 | XXX | XXXX | XXXX | Compliance | Missing Doc | TRID: Missing Loan Estimate | Documentation required to clear exception: All Loan Estimates in file are ineligible. Please provide the initial LE as well as any subsequent LE's. Additional testing will be completed once provided. Downgraded due to expired SOL. | Document Uploaded. Please see imaged loan estimate provided | Initial LE provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617956 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617956 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617956 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617958 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of the appraisal re-inspection fee. No COC in file to determine the date the lender became aware of the need for an appraisal re-inspection. | Document Uploaded. Do Not Concur. this is a new construction and the appraisal was made subject to completion of plans and a final inspection was required when the home was completed. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617958 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided.; ITP received | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617958 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617958 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617962 | XXX | XXXX | XXXX | Property | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file per appraisal: the subject suffers due to being in proximity to powerlines. | appraisal valuation already accounts for the external obsolescence and is deemed acceptable | Documentation is sufficient. Accounted for specifics in appraisal. Exception resolved.; External obsolescence meets guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617962 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617962 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: reserves and current residence to be sold/rented to normalize DTI. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: reserves and current residence to be sold/rented to normalize DTI. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: reserves and current residence to be sold/rented to normalize DTI. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617963 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617963 | XXX | XXXX | XXXX | Property | Property | Condo project is ineligible | XXX project does not meet eligibility requirements. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low DTI, high disposable income, high FICO, XXX reserves. Exception downgraded to a level 2/B. | XXX project does not meet eligibility requirements. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: low DTI, high disposable income, high FICO, XXX reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: low DTI, high disposable income, high FICO, XXX reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617963 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617964 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617964 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617964 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617965 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617965 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrowers' employment commencement within XXX days does not include salary only as required by guidelines. Lender exception in file granting exception for employment supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines Borrowers' employment commencement within XXX days does not include salary only as required by guidelines. Lender exception in file granting exception for employment supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617965 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Borrowers have XXX x XXX and XXX x XXX on rent history in last XXX months. Lender exception in file granting exception for rental payment history supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Housing History Does Not Meet Guideline Requirements Borrowers have XXX x XXX and XXX x XXX on rent history in last XXX months. Lender exception in file granting exception for rental payment history supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Lender exception in file granting exception for rental payment history supported by the following compensating factors: high FICO with good overall credit, low DTI, value well supported. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617965 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Title Insurance Policy, Settlement, Abstract and Closing Protection Letter fees. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Downgraded exception due to SOL expired | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | true application date provided; exception resolved; true application date provided; exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Processing Fees, Tax Service Fee, Appraisal Fee, Credit Report Fee, Flood Fees and Transfer Taxes. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Downgraded exception due to SOL expired | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | true application date provided; exception resolved; true application date provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Thanksgiving Day (XX/XX/XXXX) As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required to clear exception. According to Initial XXX, initial Loan application date is XX/XX/XXXX. Initial LE is dated XX/XX/XXXX, which exceeds the timing regulation. Unable to confirm application date. Downgraded due to expired SOL | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | true application date provided; exception resolved; true application date provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Do Not Concur. Please see Facta Disclosure provided | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617966 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617970 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617970 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617970 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617970 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617972 | XXX | XXXX | XXXX | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Missing HO-XXX Master Insurance Policy - The copy in file expired on XX/XX/XXXX before closing of XX/XX/XXXX | Document Uploaded. Do Not Agree, HO-XXX Master Policy expiration date is XX/XX/XXXX | Documentation is sufficient. Master policy provided. Exception resolved.; HO-XXX Master Insurance Policy is fully present | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617972 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | HO-XXX policy for Subject Property is missing Dwelling Coverage amount | Document Uploaded. HO-XXX policy is acceptable per procedures | Documentation is sufficient. Policy provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158617972 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617972 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617972 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617973 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. |  | Resolved | XXXX | B A |
|  | XXXXX | 3158617973 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing Payment History | Payment history for short term rentals is incomplete. Transaction history does not clearly identify recipient. Lender exception in file granting exception for payment history supported by the following compensating factors: XXX credit history, good disposable income, and good reserves. Exception downgraded to a level 2/B. | Payment history for short term rentals is incomplete. Transaction history does not clearly identify recipient. Lender exception in file granting exception for payment history supported by the following compensating factors: XXX credit history, good disposable income, and good reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for payment history supported by the following compensating factors: XXX credit history, good disposable income, and good reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for payment history supported by the following compensating factors: XXX credit history, good disposable income, and good reserves. Exception downgraded to a level 2/B. | Acknowledged |  | Yes D B |
|  | XXXXX | 3158617973 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | XXXX | A |
|  | XXXXX | 3158617975 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of $XXX is due to the decrease of the Lender credit from $XXX on the LE dated XX/XX/XXXX to $XXX on the LE dated XX/XX/XXXX without valid COC. Final Lender credit was $XXX. SOL expired; exception downgraded. | Document Uploaded. Do not Concur. Valid CICs for initial loan lock and loan points XXX. LEv3 disclosed timely same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617975 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617975 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Factas already attached yesterday. Attached again; Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617975 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617975 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617976 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide an updated application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617976 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide an updated application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617976 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. According to the Fraud report, the initial Loan application date is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires either an updated loan application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. Once either an updated application date or an earlier LE is provided, additional testing will be completed. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617976 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617976 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617981 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617981 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Not understanding kickback. Facta disclosures for each borrower already submitted. Attached again. ; Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158617981 | XXX | XXXX | XXXX | Credit | Data | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX) Per Policy XXX% Dwelling Replacement Cost Estimator not found on file. | Document Uploaded. Do Not Agree, Policy has XXX% Replacement Cost | Documentation is sufficient. Policy provided showing coverage is adequate. Exception resolved.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158617981 | XXX | XXXX | XXXX | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XX/XX/XXXX score > XXX. CDA pending from client. | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XX/XX/XXXX score > XXX. CDA pending from client. |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Open |  | C |
|  | XXXXX | 3158617983 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617983 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617983 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617983 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617986 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. XXX Cure Required. The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery and re-open rescission. The fees included in the finance charge calculation include: Processing Fee $XXX, Tax Service Fee $XXX, Flood Certification - Single Charge or Life of Loan $XXX, Settlement or Closing Fee $XXX, Title Closing Protection Letter (CPL) $XXX, Title Signing Fee $XXX, and Settlement or Closing Fee $XXX. | Document Uploaded. Please see attached email chain from Title. The Title-Outside signing fee was already refunded back to the customer by the title agency. ; Do not Concur. The Title-Outside signing fee is a service fee paid to a notary or signing agent for facilitating the signing of documents outside of the title company's office. It is considered a closing cost rather than a prepaid fee. Please remove this fee from your calculation | An outside signing fee per monthbile notary is considered a finance charge just as a closing or settlement fee would be considered a finance charge. Cure required | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Open |  | C |
|  | XXXXX | 3158617986 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158617986 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617986 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158617987 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - A Final Inspection Fee of $XXX was added to the initial CD dated XX/XX/XXXX. The file does not contain a valid COC for the addition of this fee. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. Chase received the appraisal and invoice XXX. Final Inspection was required. Valid CIC same day and Cdv1 disclosed timely XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617987 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617987 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617987 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617987 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Chase received the sales contract XXX. Valid CIC XXX and LEv2 disclosed timely. Then an addendum was received decreasing the purchase price and the transfer taxes also decreased at closing ; Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of the transfer taxes on the revised LE without a valid COC in file. ; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i).; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. Downgraded due to expired SOL. | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Corrected application date provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation Required to clear exception: Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Corrected application date provided; Exception resolved; Corrected application date provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617990 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617991 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617991 | XXX | XXXX | XXXX | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Project declined due to Presale completion, excessive commercial space and reserves. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Property/Appraisal guideline violation: Project declined due to Presale completion, excessive commercial space and reserves. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617991 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, XXX ratios and reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158617993 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP again; Document Uploaded. Attached ITP; Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided.; Unable to open File Name XXX itp.pdf uploaded XX/XX/XXXX. Please re-open ITP for borrower.; Attached ITP is not for borrower Douglas Dzikowski. Please re-send. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617993 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617993 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617994 | XXX | XXXX | XXXX | Credit | Assets | Asset 4 Expired | Asset XXX Expired Asset is from a quarterly Statement. Newer Statement was not received yet. | Document Uploaded. | Documentation is sufficient. Updated Statement provided. Exception resolved.; Asset XXX Not Expired Or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617994 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the Lender Credit. A COC is required to determine if the decrease was valid. | Document Uploaded. Do not Concur. Valid CIC for Credit score decrease occurred XXX. Cdv1 disclosed timely XXX | Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617994 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal was sent via DocMagic XXX | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617994 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. ITP was missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617994 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the following fees. Discount points $XXX, Processing $XXX, Tax Service $XXX, Appraisal $XXX, Credit Report $XXX, Flood Determination $XXX and flood cert $XXX. This was caused by the ILE delivery date test fail which sets the base line for fees. This fail XXX be cleared if the Initial LE delivery date fail is cured. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed true application date; Exception resolved; Confirmed true application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due the following fees. Title insurance $XXX, Settlement $XXX, CPL $XXX, Courier $XXX, Title Fee $XXX, Title Legal Fee $XXX, Municipal Lien $XXX and Plot Plan $XXX. This was caused by the ILE delivery date test fail which sets the base line for fees. This fail XXX be cleared if the Initial LE delivery date fail is cured. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed true application date; Exception resolved; Confirmed true application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. | Document Uploaded. Do Not Concur. Loan was an HBA (Homebuyer Advantage Program) and once the property address (completing the 6th piece of TRID data) was received after the customer found the home they intended to purchase, the Initial LE was issued timely. | Confirmed true application date; Exception resolved; Confirmed true application date; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The Intent to Proceed could not be located. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Provide the Credit Score Disclosure (FACTA) dated within XXX business days of application date XX/XX/XXXX. Could not be located in the loan file. | Document Uploaded. Attached Factas | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617995 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158617998 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617998 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158617998 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618001 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Missing documentation to confirm the borrower received the initial CD at least XXX days prior to consummation | Document Uploaded. Do not concur. Initial Cd sent via DocMagic XXX | Initial Cd receipt date provided; Exception resolved; Initial Cd receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618001 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618001 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Not understanding kickback. Both facta disclosures for each borrower is already submitted. Attached again. ; Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618001 | XXX | XXXX | XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing Verification of $XXX XXX as required by the Mortgage Conditional Approval, which required a copy of the XXX check and, if the earnest money deposit check has cleared you bank account, a XXX-day account history prior to the date it cleared; the Statement must show the check clearing the account. There is no check and the XXX was completed in XXX XXX, while the latest bank Statements provided were through XXX XXX. | Document Uploaded. The $30K EMD was not sourced, the attached procedure describes how to handle sourced and unsourced EMD's. In this instance since it was not sourced, it was adjusted from assets (XXXX XX1586). The Customer has over $XXX in liquid assets and $XXX non-liquid even after the adjustment of the $30K unverified EMD. | Documentation is sufficient. Excluded deposit. Reserves still adequate. Exception resolved.; Asset Qualification Meets Guideline Requirements | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618001 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618002 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required, Cure requires PCCD, LOE, copy of refund check, proof of delivery or valid COC. Cure amount $XXX due to increase in transfer taxes without a valid COC | Document Uploaded. Do Not Concur. The transfer taxes increased and disclosed timely on LEv XXX with a valid CIC, see system snip. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158618002 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required Missing proof borrower received Initial Closing Disclosure at least XXX days prior to consummation | Document Uploaded. Do Not Concur. The Closing Disclosure was received electronically by the customer on XX/XX/XXXX and closing was XX/XX/XXXX, please see system snip of electronic doc receipt. | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158618002 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618002 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618002 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618004 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618004 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTAs | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618004 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618004 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618007 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - A Final Inspection fee of $XXX was added to the initial CD dated XX/XX/XXXX. The file does not contain a valid COC for the addition of this fee. SOL expired This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. Valid CIC and comments attached for required Final inspections XXX. LEv5 disclosed timely next day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618007 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618007 | XXX | XXXX | XXXX | Credit | Eligibility | Loan does not conform to program guidelines | Borrowers have XXX financed properties which exceeds the maximum of XXX for a XXX transaction. Lender exception in file for program eligibility supported by the following compensating factors: good mortgage history, high disposable income, employment stability, reserves. Exception downgraded to a level 2/B. | Borrowers have XXX financed properties which exceeds the maximum of XXX for a XXX transaction. Lender exception in file for program eligibility supported by the following compensating factors: good mortgage history, high disposable income, employment stability, reserves. Exception downgraded to a level 2/B. | Lender exception in file for program eligibility supported by the following compensating factors: good mortgage history, high disposable income, employment stability, reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618007 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide an updated application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. Additional testing will be completed. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide an updated application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. Additional testing will be completed. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. According to the Fraud report, the initial Loan application date is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires either an updated loan application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. Once either an updated application date or an earlier LE is provided, additional testing will be completed. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Confirmed application date; exception resolved; Confirmed application date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618010 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618012 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. | Document Uploaded. | Documentation is sufficient. I-797A document provided. Exception resolved.; Borrower Identification Document provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618012 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618012 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTAs | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618012 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618013 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618013 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618013 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618027 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618027 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required missing FACTA | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618027 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618027 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618030 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX required: A refund in the amount of $XXX, cure package: PCCD with LOE, copy of refund and proof of delivery or a valid coc. The Appraisal Inspection was added to the LE issued XX/XX/XXXX without a valid reason. This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. XXXX received the appraisal and valid CIC XXX. Final inspection report was required. LEv7 disclsoed timely XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618030 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618030 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618030 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618030 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618039 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618039 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTAs | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618039 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good overall credit profile, strong assets/reserves, and DTI to normalize upon sale of XXX property. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good overall credit profile, strong assets/reserves, and DTI to normalize upon sale of XXX property. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good overall credit profile, strong assets/reserves, and DTI to normalize upon sale of F&C property. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618039 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618041 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618041 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Provide the Credit Score disclosure (FACTA) | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618041 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618041 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618042 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618042 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTAs | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618042 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618042 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618050 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender did not include the $XXX in HOA dues for the borrowers PITIA for the XXX causing the DTI to exceed the max of XXX%. UW took the $XXX from the settlement Statement in file when the borrower XXX the property, there is a $XXX 4th quarter HOA fee and I looked the property up online to confirm there is a $XXX month HOA dues. | Document Uploaded. The debt on XXX XXXX is as follows: HOI $XXX per year or $XXX per month HOA $XXX per year or $XXX per month Taxes $XXX per year (this is estimated based on new construction value of $XXX million) or $XXX per month. - The tax bill was for land only so manually recalculated taxes The total payment included in the Customers DTI is $XXX, this is the total amount that was included by the Underwriter. | Documentation is sufficient. Tax and HOA information provided. Exception resolved.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618050 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618050 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618052 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided.; ITP received | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618052 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618052 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Credit | Eligibility | Purchase Contract Expiration Date is prior to Note Date | Missing addendum to contract extending closing date from XX/XX/XXXX to Note date XX/XX/XXXX | Document Uploaded. | Purchase Agreement policies and procedures provided. Guidelines do not require extension to contract. Condition cleared. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the lender credit. A COC is required to determine if the decrease is valid. | Document Uploaded. Do not Concur. Credit score decreased. Valid CIC for both credit score and loan points XXX. LEv5 disclosed timely XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | Points & Fees | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(o) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | TRID | TRID Total of Payments Test | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. This loan failed the TRID total of payments test. (XXX CFR §XXX(o) (XXX)) The total of payments is $XXX. The disclosed total of payments of $XXX is not considered accurate because it is underStated by more than $XXX and the provided reimbursement amount of $XXX is not sufficient to cure the inaccuracy. Corrected index used; Exception resolved Corrected index used; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. This loan failed the TILA finance charge test.(XXX CFR §XXX(d) (XXX) , transferred from XXX CFR §XXX(d) (XXX)) The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is underStated by more than $XXX. Corrected index used; Exception resolved Corrected index used; Exception resolved | Rescinded |  | C A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal was sent via DocMagic XXX | Evidence of appraisal delivery provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618053 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618055 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618055 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618055 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618058 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618058 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618058 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618058 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618062 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618062 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good disposable income, high FICO, assets/reserves. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good disposable income, high FICO, assets/reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: stable employment, good disposable income, high FICO, assets/reserves. Exception downgraded to a level 2/B.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618062 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618070 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The credit report provides only XXX months of mortgage history. The Borrower previously rented but the file is missing verification of the previous housing history to meet the guideline requirement of XXX months housing history. | Document Uploaded. see attached docs to meet the requirements | Documentation is sufficient. Rental payment history provided. Exception resolved.; Housing History Meets Guideline Requirements | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618070 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required- Missing documentation to verify date initial CD dated XX/XX/XXXX was delivered to the Borrower. | Document Uploaded. Do not Concur. Cdv1 was sent via DocMagic XXX. Same day it was generated | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618070 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618070 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618071 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Co-borrower does not meet minimum tradeline requirement. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: stable employment, high disposable income, high FICO, good reserves. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Co-borrower does not meet minimum tradeline requirement. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: stable employment, high disposable income, high FICO, good reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: stable employment, high disposable income, high FICO, good reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618071 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618071 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618076 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618076 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618076 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618080 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618080 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618080 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618081 | XXX | XXXX | XXXX | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f) (XXX) (ii)) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f) (XXX) (i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f) (XXX) (ii) (A) :(A) The annual percentage rate disclosed under §XXX(o) (XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a) (XXX) (iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f) (XXX) (i) no later than XXX business days before consummation. The revised CD dated XX/XX/XXXX indicated an APR increase of greater than XXX% and was issued less than XXX business days prior to the consummation date of XX/XX/XXXX. | Document Uploaded. This ARM loan has premium pricing, please see snip from regulation discussing irregular payment amounts; Do Not Concur. The classification of ARMs as irregular loans is due to their variable interest rate feature, which can lead to more complex calculations and potential changes in the APR. As a result, the tolerance threshold is higher to accommodate these potential variations. ; Document Uploaded. Do Not Concur. The APR increased to XXX% on the CDv2 received on XX/XX/XXXX and on CDv8 at closing it increased to XXX% from XXX%, this is an ARM loan and there is a tolerance of XXX%, this change is only XXX%.; Document Uploaded. Do Not Concur. Please see electronic CD viewing history | Under XXX(a) (XXX) : It does not not meet the definition of the irregular transaction Official interpretation of Paragraph XXX(a) (XXX) XXX. Irregular transactions. The annual percentage rate for an irregular transaction is considered accurate if it varies in either direction by not more than XXX/XXX of XXX percentage point from the actual annual percentage rate. This tolerance is intended for more complex transactions that do not call for a single advance and a regular series of equal payments at equal intervals. The XXX/XXX of XXX percentage point tolerance may be used, for example, in a construction loan where advances are made as construction progresses, or in a transaction where payments vary to reflect the consumer's seasonal income. It may also be used in transactions with graduated payment schedules where the contract commits the consumer to several series of payments in different amounts. It does not apply, however, to loans with variable rate features where the initial disclosures are based on a regular amortization schedule over the life of the loan, even though payments may later change because of the variable rate feature.; The tolerance for increase is only.XXX%, a standard ARM does not meet the definition of an irregular transaction. As a general rule, the annual percentage rate shall be considered accurate if it is not more than XXX/XXX of XXX percentage point above or below the annual percentage rate determined in accordance with §XXX(a) (XXX). In an irregular transaction, the annual percentage rate shall be considered accurate if it is not more than XXX/XXX of XXX percentage point above or below the annual percentage rate determined in accordance with §XXX (a) (XXX). For purposes of §XXX(a) (XXX) , an irregular transaction is one that includes one or more of the following features: multiple advances, irregular payment periods, or irregular payment amounts (other than an irregular first period or an irregular first or final payment).; The documentation provided appears to show a CD dated XX/XX/XXXX but it was not found in file or provided for review. The APR increased on the CD dated XX/XX/XXXX but consummation was XX/XX/XXXX. Providing the CD dated XX/XX/XXXX may resolve the exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Open |  | C |
|  | XXXXX | 3158618081 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618081 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618081 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618082 | XXX | XXXX | XXXX | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618082 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618082 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618088 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required - The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618088 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618088 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618090 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618090 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618090 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618090 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618093 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached FACTA | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618093 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618093 | XXX | XXXX | XXXX | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Note was signed as an individual, mortgage was signed as an individual for a Business | Document Uploaded. Do Not Agree, providing Trust Review Findings Report for signature line of Mortgage- The signature block on the Security Instrument and any rider(s) should appear as: XXXX as Sole Member of XXXX LLC, a New York limited liability company | Signature on Security Instrument reads XXXX, LLC, by XXXX. Trust Review States it should appear as XXXX as Sole Member of XXXX, a New York limited liability company. Exception remains. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Counter |  | C |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Credit | Eligibility | Loan does not conform to program guidelines | Temporary resident purchasing XXX not permitted. Lender exception in file granting exception supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Temporary resident purchasing XXX not permitted. Lender exception in file granting exception supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gap in asset documentation. Lender exception in file granting exception for assets documentation supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Asset Qualification Does Not Meet Guideline Requirements Gap in asset documentation. Lender exception in file granting exception for assets documentation supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for assets documentation supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Lender exception in file granting exception to waive requirement to obtain VOM on second mortgage in XXX supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Lender exception in file granting exception to waive requirement to obtain VOM on second mortgage in XXX supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception to waive requirement to obtain VOM on second mortgage in Canada supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes D B |
|  | XXXXX | 3158618094 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for thin credit file supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for thin credit file supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for thin credit file supported by the following compensating factors: LTV below max, good reserves, and disposable income. Exception downgraded to a level 2/B. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618097 | XXX | XXXX | XXXX | Credit | Missing Doc | The Final 1003 is Incomplete | The Final 1003 is Incomplete Income not listed on the XXX | Document Uploaded. Customer Income is listed other income because it's K'XXX income. Due to a system issue the customer's income did not print on the loan application. | Documentation is sufficient. Updated XXX provided. Exception resolved.; The Final 1003 is Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158618097 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618097 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618097 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618097 | XXX | XXXX | XXXX | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements. Borrowers' rental history verified with private party VOR. Lender exception in file for VOR supported by the following compensating factors: length of self-employment, good disposable income, high FICO, low LTV, strong reserves. Exception downgraded to a level 2/B. | Housing History Does Not Meet Guideline Requirements. Borrowers' rental history verified with private party VOR. Lender exception in file for VOR supported by the following compensating factors: length of self-employment, good disposable income, high FICO, low LTV, strong reserves. Exception downgraded to a level 2/B. | Lender exception in file for VOR supported by the following compensating factors: length of self-employment, good disposable income, high FICO, low LTV, strong reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618104 | XXX | XXXX | XXXX | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Credit report lists open XXX with XXX, per credit in file XXX of them were verified, XXX loan amount taken from Final 1003 balance $XXX. Per approval, updated Credit report or Credit Supplement is required, missing from loan file. | Document Uploaded. This is a new/future student loan which is why it's not on the credit report, see the attached loan disclosure | Documentation is sufficient. Updated Student Loan information provided. Exception resolved.; Borrower 1 Credit Report is not partially present. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618104 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618104 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required missing FACTA | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618104 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Do not Concur. This was during a weekend. The CD was timely. Sunday is not counted as a business day; Document Uploaded. Do not Concur. Valid CIC XXX same day XXXX received the appraisal. Final inspection was required. See attacehd details. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; COC is dated XX/XX/XXXX, however the amount wasnt disclosed until the CD dated XX/XX/XXXX; TILA 130b Cure required: Cure of $XXX for addition of Final Inspection fee of $XXX without COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing, or valid COC. A cure of $XXX was provided at consummation; however, $XXX went towards a XXX% tolerance for recording fees leaving a remaining balance of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Need documentation for the PITIA on XXX XXX | Document Uploaded. | Documentation is sufficient. PITIA documents provided. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation required: Provide evidence the borrower was in receipt of the Initial CD XXX business days prior to consummation. | Document Uploaded. Do not Concur. Initial CD sent via DocMagic XXX | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618112 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618114 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618114 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618114 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618114 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached Factas; Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided.; FACTA provided for co-borrower only; need FACTA for borrower. Condition remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Provide VOM for XXX XXX | Document Uploaded. Per Residence Reference Guideline : The occupying customer's rental housing payment is not required to be verified when purchasing a new owner occupied / primary residence. | Documentation is sufficient. VOR not required. Exception resolved.; Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is not Missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. | attached | Documentation is sufficient. I-797A provided. Exception resolved.; Borrower Identification Document provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation not provided. | Document Uploaded. | Documentation is sufficient. I-797A provided. Exception resolved.; Citizenship Documentation is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation not provided. Provide copy of green card | Document Uploaded. | Documentation is sufficient. I-797A provided. Exception resolved.; Citizenship Documentation is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618123 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618124 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618124 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618124 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618130 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618130 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618130 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618131 | XXX | XXXX | XXXX | Credit | Eligibility | Borrower 2 Credit Report is Expired | Borrower 2 Credit Report is Expired (Greater than XXX days from the Closing Date). Credit report is expired | Attached the credit report | Documentation is sufficient. Updated credit report provided. Exception resolved.; Borrower 2 Credit Report is not Expired. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618131 | XXX | XXXX | XXXX | Credit | Eligibility | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the Closing Date). Credit report is expired | Document Uploaded. Attached credit report for both customers | Documentation is sufficient. Updated credit report provided. Exception resolved.; Borrower 1 Credit Report is not Expired. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618131 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing The XXX Booklet is missing form the file. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do not Concur. See attached signed Arm disclosure stating the customer recieved the charm booklet | CHARM Booklet is Present or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618131 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The Intent to Proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618131 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618138 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618138 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Qualifying income includes estimated future income. Lender exception in file for income calculation supported by the following compensating factors: XXX reserves, XXX mortgage history, high FICO, stable employment, high disposable income. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines Qualifying income includes estimated future income. Lender exception in file for income calculation supported by the following compensating factors: XXX reserves, XXX mortgage history, high FICO, stable employment, high disposable income. Exception downgraded to a level 2/B. | Lender exception in file for income calculation supported by the following compensating factors: XXX reserves, XXX mortgage history, high FICO, stable employment, high disposable income. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618138 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Gift funds are noted on the Final 1003 in the file for $XXX from a relative, however, required documentation and transfer of the gift is not found in the file. | There is no gift, the Customer's assets are as follows: XXXX XXXXXX $XXX, XXXX XXXXXX $XXX and XXXX XXXXXX $XXX | Documentation is sufficient. Assets verified. Exception resolved.; Asset XXX Meets Guideline Requirements Or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The guidelines required XXX months of reserves for subject property and XXX months for any other property owned by the borrower. Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) The guidelines required XXX months of reserves for subject property and XXX months for any other property owned by the borrower. Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The guidelines required XXX months of reserves for subject property and XXX months for any other property owned by the borrower. Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The guidelines required XXX months of reserves for subject property and XXX months for any other property owned by the borrower. Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Lender exception in file granting exception for reserves supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Credit tradelines are not meeting guidelines as there are only XXX reporting but for XXX months at the longest for both borrower combined. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Credit tradelines are not meeting guidelines as there are only XXX reporting but for XXX months at the longest for both borrower combined. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: banking relationship, high disposable income, low ratios. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618145 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618148 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Without evidence of receipt, it is assumed that the Closing Disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure at least XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. | Document Uploaded. Do not Concur. Initial CD sent via DocMagic XXX | Initial CD receipt date provided; exception resolved; Initial CD receipt date provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618148 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Attached Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618148 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618148 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618149 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing | Document Uploaded. | Documentation is sufficient. CPA verification provided. Exception resolved.; Borrower 1 CPA Letter Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618149 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The Intent to Proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. IPT Attached | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618149 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA disclosure is missing from the file. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618149 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618149 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: Length of self-employment, disposable income, FICO and reserves. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: Length of self-employment, disposable income, FICO and reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: Length of self-employment, disposable income, FICO and reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618151 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618151 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618151 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618151 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the earliest available Initial LE dated XX/XX/XXXX, which is dated more than XXX business days after the loan application date of XX/XX/XXXX. Please provide either an updated loan application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. At that time, additional testing will be completed. Downgraded due to expired SOL. | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Corrected application date; exception resolved; Corrected application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). XXX Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the earliest available Initial LE dated XX/XX/XXXX, which is dated more than XXX business days after the loan application date of XX/XX/XXXX. Please provide either an updated loan application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. At that time, additional testing will be completed. Downgraded due to expired SOL. | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Corrected application date; exception resolved; Corrected application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. According to the XXX Loan Decision, the initial Loan application date is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires either an updated loan application date, dated within XXX business days prior to the initial LE dated XX/XX/XXXX, or a copy of an earlier LE dated within XXX business days of XX/XX/XXXX. Once either an updated application date or an earlier LE is provided, additional testing will be completed. Downgraded due to expired SOL. | Document Uploaded. Do not Concur. Loan flipped from HBA "Credit Only" to Purchase with property XXX | Corrected application date; exception resolved; Corrected application date; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618153 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618155 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618155 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided.; Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618155 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618155 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618157 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618157 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618157 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618160 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for Transfer Taxes. This exception is downgraded due to the expiration of SOL. | Document Uploaded. Do not Concur. Valid CIC occurred when chase received the sales contract XXX. Per the contract the seller and customer will go XXX/XXX on transfer tax. LEv2 disclosed timely same day; Document Uploaded. Do Not Concur. Loan amount changed in order to approve loan, transfer taxes changed. | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The loan amount never changed on the disclosures started at XXX and stayed the same through the loan | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618160 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA is missing from the loan file. | Document Uploaded. Attached Factas | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618160 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good employment history, disposable income, good reserves. Exception downgraded to a level 2/B. | Audited DTI of XXX% exceeds Guideline DTI of XXX%. Loan does not meet Core requirement for DTI > XXX%. Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good employment history, disposable income, good reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for DTI > XXX% supported by the following compensating factors: good employment history, disposable income, good reserves. Exception downgraded to a level 2/B. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618160 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618162 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Please see electronic viewing history for the receipt of the appraisal by the customer | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618162 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Attached Facta; Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided.; FACTA disclosure provided is not for borrower. Condition remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618162 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618162 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618163 | XXX | XXXX | XXXX | Credit | Assets | Asset 4 Expired | Asset XXX Expired The Borrower's XXX account #XXX is dated XX/XX/XXXX. The file is missing an updated Statement. | Document Uploaded. | Documentation is sufficient. Updated asset Statement provided. Exception resolved.; Asset XXX Not Expired Or Not Applicable | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618163 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached IPT | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618163 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Attached Facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618163 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618166 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618166 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Please provide Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618166 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618166 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618170 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618170 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached Factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618170 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618170 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618174 | XXX | XXXX | XXXX | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA XXX score is XXX and XXX rep & relief not eligible. Pending receipt of CDA. | Document Uploaded. | Documentation is sufficient. Risk Review provided. Exception resolved.; Third party valuation product provided within tolerance. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618174 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to Proceed | Document Uploaded. ITP attached | Proof of Intent to Proceed has been provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618174 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached Factas | FACTA Credit Score Disclosure is provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618174 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618176 | XXX | XXXX | XXXX | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR) /Verification of Mortgage (VOM) Document is Missing. Provide VOM for XXX XXX | Document Uploaded. Per the attached Residence Reference Guideline: The occupying customer's rental housing payment is not required to be verified when purchasing a new owner occupied / primary residence. | Guideline supplement provided which waives requirement for VOR. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618176 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618176 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Please provide Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618176 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618178 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The FACTA is missing from the file. To cure the defect please provide evidence the consumer received the FACTA. | Document Uploaded. See attached Factas | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618178 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618178 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618180 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the addition of the Discount Points on the revised LE dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. Downgraded due to SOL. | Document Uploaded. Do not Concur. Valid CICs for apraised value, loan amount, and loan points XXX. Note: points decreased at closing | Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618180 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618180 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618180 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618181 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation not provided. Identification is missing. H1B copy of nonimmigrant worker I-XXX found in file, however no other identification was found. | Document Uploaded. Documentation in file meets guidelines. The I797A has the I-XXX embedded showing H1B class which is eligible for financing without Employment Authorization documentation not being required. The H1B has an expiration date of XX/XX/XXXX. | Documentation is sufficient. Identification form is acceptable. Exception resolved.; Citizenship Documentation is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158618181 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Intent to Proceed | Document Uploaded. Please see attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618181 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Credit Score Disclosure (FACTA) | Document Uploaded. Please see attached Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618181 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618182 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618182 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618182 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618182 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618187 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618187 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618187 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618187 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618188 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618188 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618188 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618188 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender guidelines require XXX years of self-employment to be verified. The borrower's business of XXX and XXX has only been in business since XXX, which is only XXX years. Lender exception in file granting exception for employment supported by the following compensating factors: high FICO, XXX credit history, low DTI, high disposable income, reserves, and lower than maximum LTV. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines Lender guidelines require XXX years of self-employment to be verified. The borrower's business of XXX and XXX has only been in business since XXX, which is only XXX years. Lender exception in file granting exception for employment supported by the following compensating factors: high FICO, XXX credit history, low DTI, high disposable income, reserves, and lower than maximum LTV. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment supported by the following compensating factors: high FICO, XXX credit history, low DTI, high disposable income, reserves, and lower than maximum LTV. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618189 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing Document Required: Missing XXX Booklet from the file. | Document Uploaded. Do Not Concur. Please see signed ARM Disclosure that acknowledges customer receipt of CHARM booklet. | CHARM Booklet is Present or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618189 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618189 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618189 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618189 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618192 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618192 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618192 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618192 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618193 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The file is missing the Intent to Proceed Disclosure. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618193 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The file is missing the FACTA Disclosure. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached Factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618193 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618193 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618194 | XXX | XXXX | XXXX | Property | Property | External Obsolescence Present | External obsolescence present. External obsolescence present in file per appraiser the subject is located on a street with XXX traffic volume (noise and convenience factor). The subject location will have a negative impact on marketability. | appraisal valuation already accounts for the external obsolescence and is deemed acceptable | Documentation is sufficient. Appraisal considered all factors. Exception resolved.; External obsolescence meets guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618194 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618194 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618194 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception. Proof of delivery/receipt of Initial CD dated XX/XX/XXXX. Initial CD was not acknowledged by borrower and proof of delivery was missing from file. Unable to determine if timing requirements were met prior to consummation date XX/XX/XXXX. Downgraded due to expired SOL. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Re-uploaded the CD viewing history, previous upload failed; Do Not Concur. Please see electronic CD viewing history | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved; No documentation was provided showing the viewing history, please re-upload | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Credit | Missing Doc | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. | Document Uploaded. | Documentation is sufficient. I-797A provided. Exception resolved.; Borrower Identification Document provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation not provided | Borrower 2 Citizenship Documentation not provided. | Document Uploaded. | Documentation is sufficient. I-797A provided. Exception resolved.; Citizenship Documentation is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation not provided | Borrower 1 Citizenship Documentation not provided. | Document Uploaded. | Documentation is sufficient. I-797A provided. Exception resolved.; Citizenship Documentation is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Do Not Concur. Please see system snip with ITP information | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Please see imaged Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Co-borrower returning to workforce after maternity leave. VVOE for co-borrower's prior employment not obtained. Lender exception in file granting exception for employment/income supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | Income and Employment Do Not Meet Guidelines Co-borrower returning to workforce after maternity leave. VVOE for co-borrower's prior employment not obtained. Lender exception in file granting exception for employment/income supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for employment/income supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrowers do not meet tradeline requirements due to lack of active tradelines in last XXX months. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Borrowers do not meet tradeline requirements due to lack of active tradelines in last XXX months. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: good reserves, employment stability for borrower, good disposable income. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618195 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618197 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618197 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618197 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618199 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Without evidence of receipt, it is assumed that the Closing Disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to consummation on XX/XX/XXXX. The defect can be cured by providing evidence that shows the consumer received the disclosure at least XXX business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the e-consent is required. This exception is downgraded due to the expiration of SOL. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | Document Uploaded. Do not Concur. Initial CD sent via DocMagic XXX | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618199 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal sent via DocMagic XXX | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618199 | XXX | XXXX | XXXX | Property | Property | Condo project is ineligible | Project declined due to XXX new construction without XXX approval. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, high disposable income, high FICO, good mortgage history, reserves. Exception downgraded to a level 2/B. | Project declined due to XXX new construction without XXX approval. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, high disposable income, high FICO, good mortgage history, reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: stable employment, high disposable income, high FICO, good mortgage history, reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618199 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618207 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618207 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Please provide Credit Score Disclosure (FACTA | Document Uploaded. Facta already submitted. Attached again; Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618207 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618207 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618210 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618210 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). The file is missing the FACTA Disclosure. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached Facta | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618210 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618210 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618212 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618212 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing The XXX Booklet is missing from the file. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached signed Arm Disclosure for proof of the charm book received | CHARM Booklet is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | D A |
|  | XXXXX | 3158618212 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618212 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618213 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618213 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618213 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: high FICO, low LTV, high disposable income and low leverage. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: high FICO, low LTV, high disposable income and low leverage. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: high FICO, low LTV, high disposable income and low leverage. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618213 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618215 | XXX | XXXX | XXXX | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). | Document Uploaded. Do not Concur. Appraisal sent via DocMagic XXX | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618215 | XXX | XXXX | XXXX | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) |  | Invalid finding. Sufficient funds to close and reserves are documented in file. Condition rescinded. |  | Rescinded |  | A |
|  | XXXXX | 3158618215 | XXX | XXXX | XXXX | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower is short funds to close in the amount of $XXX |  | Invalid finding. Sufficient funds to close and reserves are documented in file. Condition rescinded.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements | Invalid finding. Sufficient funds to close and reserves are documented in file. Condition rescinded.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements | Rescinded |  | A |
|  | XXXXX | 3158618215 | XXX | XXXX | XXXX | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. |  | Invalid finding. Sufficient funds to close and reserves are documented in file. Condition rescinded. |  | Rescinded |  | A |
|  | XXXXX | 3158618215 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618216 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of transfer taxes on LE XXX with no COC in file. Downgraded due to expired SOL This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | Document Uploaded. Do not Concur. XXXX received the sales contract and valid CIC XXX. Per contract buyer is to pay the transfer tax. LEv2 disclosed timely same day | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618216 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618216 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618216 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618216 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). The loan failed charges that cannot increase test. XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Points - Loan Discount Fee. The Points - Loan Discount Fee increase on the CD dated XX/XX/XXXX was not accepted. The file did not contain and COCs or Rate Locks that corresponded to this date. | Document Uploaded. Do not Concur. Expiration changed and valid CIC for loan points occurred XXX. Cdv2 disclosed timely XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | C A |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing The XXX Booklet is missing from the file. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do not Concur. Attached signed Arm Disclosure for proof of receipt of charm booklet | CHARM Booklet is Present or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | D A |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Credit | Eligibility | Loan does not conform to program guidelines | Missing verification of HOA dues for ORE. Lender exception in file granting exception supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | Missing verification of HOA dues for ORE. Lender exception in file granting exception supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Credit | Data | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | The lender's minimum tradeline requirements have not been met per guidelines. Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception for tradelines/thin credit file supported by the following compensating factors: low DTI, high disposable income and XXX reserves. Exception downgraded to a level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618217 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618218 | XXX | XXXX | XXXX | Credit | Missing Doc | Verification of Borrower Liabilities Missing or Incomplete | Missing documentation to support the additional debt listed on XXX with XXX $XXX monthly payment, balance $XXX and XXX $XXX monthly payment, balance $XXX. | There is no evidence these are debts, since they were reflected on bank Statements, the Underwriter added these to the liabilities out of an abundance of caution. However XXXX is not a liability and XXXX is not recurring, they shouldn't have been added to debts however DTI was so low there was no impact to the loan decision. | Documentation is sufficient. Explanation provided. Exception resolved. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618218 | XXX | XXXX | XXXX | Compliance | Missing Doc | CHARM Booklet is Missing | XXX Booklet is Missing.. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Do not Concur. Attached signed Arm Disclosure for proof of receipt of charm booklet | CHARM Booklet is Present or Not Applicable | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | D A |
|  | XXXXX | 3158618218 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing.. The defect can be resolved by providing the missing disclosure. The intent to proceed is missing.. The defect can be resolved by providing the missing disclosure. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618218 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618221 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618221 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Document Required: Missing Credit Score Disclosure (FACTA) from the file. | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618221 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618221 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Documentation Required- Missing documentation to verify date initial CD dated XX/XX/XXXX was delivered to the Borrowers. | Document Uploaded. Do not Concur. Initial CD sent via DocMagic XXX | Initial CD receipt provided; exception resolved; Initial CD receipt provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the good faith determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The XXX-tolerance violation in the amount of $XXX is due to the addition of the project processing fee on the LE dated XX/XX/XXXX without valid COC. SOL expired; exception downgraded. | Document Uploaded. Do not Concur. Valid CIC for Property type XXX. CDv2 disclosed timely XXX | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation Required- Executed intent to proceed | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required- Credit Score Disclosure (FACTA) | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618222 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618231 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618231 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do not understand kickback. Facta Disclosure has already been uploaded. Attached again. ; Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618231 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618231 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618233 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618233 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618233 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618233 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618241 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618241 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618241 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). XXX Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). | Document Uploaded. Do Not Concur. Please see Arm Disclosure | ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Property | Property | Flip or Rapid Resale of Property | Subject sold XX/XX/XXXX for $XXX. Increase supported by recent updates. Lender exception in file granting exception supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | Subject sold XX/XX/XXXX for $XXX. Increase supported by recent updates. Lender exception in file granting exception supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | Lender exception in file granting exception supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: File is missing second appraisal. Lender exception in file granting exception to waive second appraisal supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | Property/Appraisal guideline violation: File is missing second appraisal. Lender exception in file granting exception to waive second appraisal supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | File is missing second appraisal. Lender exception in file granting exception to waive second appraisal supported by the following compensating factors: high FICO, stable employment, and reserves. Exception downgraded to a level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618243 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618244 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do not understand kickback. Facta Disclosures already imaged. Attached again; Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618244 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618244 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618244 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618248 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Document Required: Missing intent to proceed from the file. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618248 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618248 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618250 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618250 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618250 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618250 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618254 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Do Not Concur. Please see system snip showing the date ITP was received. | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618254 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Do Not Concur. Please see Facta disclosure | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618254 | XXX | XXXX | XXXX | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Project declined due to Presale completion, and commercial space. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Property/Appraisal guideline violation: Project declined due to Presale completion, and commercial space. Lender exception in file for XXX referrals granting exception supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Lender exception in file for PAG referrals granting exception supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618254 | XXX | XXXX | XXXX | Credit | Eligibility | Occupancy Not Allowed | Subject is XXX located within XXX miles of XXX. Lender exception in file for granting exception for occupancy supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Subject is XXX located within XXX miles of XXX. Lender exception in file for granting exception for occupancy supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Lender exception in file for granting exception for occupancy supported by the following compensating factors: stable employment, high FICO, high disposable income, low LTV and reserves. Exception downgraded to a level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618255 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. The intent to proceed is missing.; ITP received | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618255 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Not understanding kickback. Factas already uploaded. Attaching again. ; Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided.; Missing Credit Score Disclosure (FACTA). | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618255 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618255 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618256 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618256 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618256 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618256 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618260 | XXX | XXXX | XXXX | Compliance | QM-ATR | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXX(c) (XXX) (vi) failure - The consumer's current debt obligations, alimony, and XXX or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. The lender excluded B1 XXX liability, however, there is a Statement on pgXXX but no additional supporting documents reflecting a XXX balance for this debt | Sent evidence that this debt was paid - the credit exception pertaining to this has already been resolved. | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618260 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided.; ITP received | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | B A |
|  | XXXXX | 3158618260 | XXX | XXXX | XXXX | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender exception in the loan file for DTI, however, the lender excluded B1 XXX liability, however, there is a Statement on pgXXX but no additional supporting documents reflecting a XXX balance for this debt | uploaded evidence the XXXX loan was paid | Max DTI per guidelines is XXX%, The subject transaction is at XXX%, exceeding the guidelines. However, an approved exception is in file allowing the higher DTI, citing compensating factors of meeting the CORE requirements of allowing the higher DTI, good Fico and reserves. C1 has a XXX yr. employment stability. Acknowledged and downgraded. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
|  | XXXXX | 3158618260 | XXX | XXXX | XXXX | Credit | Debt | No evidence of required debt payoff | The lender excluded B1 XXX liability, however, there is a Statement on pgXXX but no additional supporting documents reflecting a XXX balance for this debt | Document Uploaded. see attached evidence the loan is paid and XXXX to payoff | Documentation is sufficient. Proof of loan paid. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | C A |
|  | XXXXX | 3158618260 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | XXXX | A |
|  | XXXXX | 3158618261 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: Intent to Proceed missing | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618261 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation required to clear exception: Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618261 | XXX | XXXX | XXXX | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XXX CFR §XXX(f) (XXX) (ii)) The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f) (XXX) (i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f) (XXX) (ii) (A) :(A) The annual percentage rate disclosed under §XXX(o) (XXX) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a) (XXX) (iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f) (XXX) (i) no later than XXX business days before consummation. Loan program change XX/XX/XXXX requiring new waiting period prior to consummation XX/XX/XXXX. Downgraded due to expired SOL | Document Uploaded. Do not Concur. Revised CD was sent via DocMagic XXX. | ; Invalid; corrected finance charges; Invalid; corrected finance charges |  | Rescinded |  | A |
|  | XXXXX | 3158618261 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618261 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618262 | XXX | XXXX | XXXX | Compliance | Missing Doc | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | Document Uploaded. Attached ITP | Proof of Intent to Proceed has been provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618262 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618262 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618262 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618264 | XXX | XXXX | XXXX | Compliance | Missing Doc | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. Document Required: Missing Collateral Protection Notice from the file. | Document Uploaded. Do not Concur. See attached signed Property Insurance document that was already in file | Collateral protection requirements in mortgage clauses; exception resolved; Collateral Protection Notice was provided. | Collateral protection requirements in mortgage clauses; exception resolved; Collateral Protection Notice was provided. | Rescinded |  | A |
|  | XXXXX | 3158618264 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618264 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618264 | XXX | XXXX | XXXX | Compliance | Closing | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (Regulation Z) XX/XX/XXXX.XXX(a) (XXX) (vii) | The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (Regulation Z) XX/XX/XXXX.XXX(a) (XXX) (vii) | The sales price on the Purchase Contract and Final CD match. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | C A |
|  | XXXXX | 3158618266 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached facta | FACTA Credit Score Disclosure is provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | B A |
|  | XXXXX | 3158618266 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618266 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | XXXX | A |
|  | XXXXX | 3158618267 | XXX | XXXX | XXXX | Compliance | Missing Doc | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | Document Uploaded. Attached factas | FACTA Credit Score Disclosure is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | B A |
|  | XXXXX | 3158618267 | XXX | XXXX | XXXX | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |
|  | XXXXX | 3158618267 | XXX | XXXX | XXXX | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | XXXX | A |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 3158617334 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617337 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617341 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617357 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617365 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617374 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617382 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617384 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617386 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617391 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617392 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617393 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617396 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617397 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617400 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617401 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617403 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617406 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617408 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617409 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617413 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617415 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617420 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617421 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617423 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617424 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617426 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617428 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617431 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617432 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617435 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617437 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617439 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617441 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617443 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617445 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617446 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617447 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617448 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617449 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617455 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617459 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617462 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617463 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617464 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617468 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617472 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617477 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617479 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617485 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617497 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617499 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617501 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617504 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617508 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617511 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617515 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617519 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617523 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617529 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617531 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617532 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617533 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617539 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617540 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617542 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617543 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617544 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617549 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617550 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617551 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617552 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617553 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617556 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617557 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617559 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617563 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617566 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617567 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617568 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617571 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617572 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617574 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617579 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617584 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617585 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617592 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617593 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617595 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617601 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617602 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617604 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617606 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617608 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617609 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617610 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617613 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617616 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617619 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617620 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617633 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617634 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617635 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617636 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617638 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617640 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617641 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617643 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617646 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617648 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617653 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617655 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617657 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617658 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617659 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617663 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617666 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617670 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617674 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617677 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617681 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617682 | XXXXX D A B C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617684 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617687 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617700 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617703 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617707 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617708 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617709 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617710 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617717 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617719 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617731 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617737 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617742 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617744 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617745 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617751 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617756 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617761 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617762 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617763 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617764 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617766 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617767 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617769 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617770 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617775 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617778 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617780 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617781 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617783 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617784 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617789 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617793 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617797 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617804 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617805 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617811 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617819 | XXXXX D B C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617820 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617824 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617826 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617827 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617836 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617837 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617840 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617841 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617842 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617843 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617845 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617850 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617851 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617853 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617854 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617860 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617861 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617862 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617865 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617866 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617869 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617872 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617874 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617879 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617884 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617885 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617886 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617887 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617888 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617889 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617893 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617897 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617899 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617904 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617906 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617907 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617912 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617915 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617919 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617922 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617927 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617928 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617929 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617932 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617933 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617935 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617936 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617941 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617945 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617947 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617952 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617955 | XXXXX D B C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617956 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617958 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617962 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617963 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617964 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617965 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617966 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617970 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617972 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617973 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617975 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617976 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617981 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617983 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617986 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617987 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617990 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617991 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617993 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617994 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617995 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158617998 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618001 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618002 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618004 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618007 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618010 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618012 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618013 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618027 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618030 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618039 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618041 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618042 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618050 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618052 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618053 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618055 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618058 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618062 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618070 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618071 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618076 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618080 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618081 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618082 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618088 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618090 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618093 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618094 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618097 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618104 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618112 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618114 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618123 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618124 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618130 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618131 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618138 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618145 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618148 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618149 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618151 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618153 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618155 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618157 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618160 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618162 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618163 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618166 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618170 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618174 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618176 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618178 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618180 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618181 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618182 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618187 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618188 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618189 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618192 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618193 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618194 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618195 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618197 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618199 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618207 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618210 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618212 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618213 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618215 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618216 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618217 | XXXXX D B C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618218 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618221 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618222 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618231 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618233 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618241 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618243 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618244 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618248 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618250 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618254 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618255 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618256 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618260 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618261 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618262 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618264 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618266 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 3158618267 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 3158617334 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.71 | 64.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3158617337 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 3158617341 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0096 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 3158617357 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617365 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617374 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617382 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.22 | 65.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3158617384 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.05 | 79.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158617386 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.96 | 58.96 | $XXX | $XXX | -.0510 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0510 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 3158617391 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 3158617392 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617393 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.34 | 72.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 3158617396 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 3158617397 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617400 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617401 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617403 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.0 | 69.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 3158617406 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617408 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0003 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0003 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158617409 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617413 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.82 | 77.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617415 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617420 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0180 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617421 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617423 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617424 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617426 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617428 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0099 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0099 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 3158617431 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617432 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.71 | 65.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3158617435 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617437 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617439 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617441 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 3158617443 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 3158617445 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3158617446 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 3158617447 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 3158617448 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617449 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617455 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.08 | 74.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 3158617459 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 3158617462 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617463 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.04 | 77.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 3158617464 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158617468 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.67 | 76.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617472 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617477 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 3158617479 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.0 | 72.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 3158617485 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3158617497 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617499 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 3158617501 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.76 | 79.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 3158617504 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617508 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3158617511 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 3158617515 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617519 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617523 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.0 | 71.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0047 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158617529 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617531 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.93 | 74.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 3158617532 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.88 | 71.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 3158617533 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.85 | 69.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617539 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 3158617540 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 3158617542 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 3158617543 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617544 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 3158617549 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.17 | 74.17 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0124 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0124 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158617550 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.57 | 77.57 |  |  |  |  |  |  |  |  | $XXX | $XXX | .2514 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617551 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 3158617552 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.71 | 42.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158617553 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.45 | 44.45 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617556 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617557 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3158617559 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 3158617563 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 3158617566 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 3158617567 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158617568 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.5 | 75.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617571 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158617572 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 3158617574 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3158617579 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 77.76 | 77.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617584 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617585 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.62 | 47.62 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3158617592 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617593 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3158617595 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3158617601 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.43 | 78.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158617602 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.2 | 55.2 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 3158617604 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.0 | 74.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158617606 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.14 | 57.14 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3158617608 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.83 | 70.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 3158617609 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 3158617610 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3158617613 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3158617616 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 3158617619 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3158617620 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617633 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3158617634 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617635 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0069 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0069 | 97.0 | 0.03 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 3158617636 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 3158617638 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 3158617640 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3158617641 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 3158617643 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0014 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3158617646 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3158617648 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 3158617653 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158617655 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.21 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617657 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 3158617658 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.38 | 64.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617659 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.03 | 78.03 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3158617663 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.24 | 78.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 3158617666 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617670 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617674 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3158617677 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 77.69 | 77.69 | $XXX | $XXX | .0253 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0253 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617681 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.39 | 78.39 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 3158617682 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.22 | 79.22 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617684 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617687 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3158617700 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0344 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0344 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617703 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3158617707 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3158617708 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 3158617709 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.0 | 78.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0182 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617710 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 3158617717 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617719 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.38 | 51.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158617731 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.32 | 66.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158617737 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.81 | 79.81 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0016 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 3158617742 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617744 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 3158617745 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.1 | 67.1 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3158617751 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 3158617756 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617761 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158617762 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617763 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617764 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.62 | 71.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617766 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 3158617767 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3158617769 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.68 | 73.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158617770 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617775 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617778 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.85 | 79.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3158617780 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3158617781 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617783 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.71 | 73.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617784 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617789 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617793 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617797 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.47 | 76.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617804 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.14 | 77.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 3158617805 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 3158617811 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3158617819 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.4 | 78.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 3158617820 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.54 | 74.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617824 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158617826 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.76 | 79.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 3158617827 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617836 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .1678 | AVM |  |  |  |  |  | $XXX | $XXX | .1678 | 79.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158617837 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3158617840 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617841 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.44 | 74.44 |  |  |  |  | $XXX | $XXX | -.0298 | AVM |  |  |  |  |  | $XXX | $XXX | -.0298 | 92.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 3158617842 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.61 | 77.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158617843 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 3158617845 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617850 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  | $XXX | $XXX | .0263 | AVM |  |  |  |  |  | $XXX | $XXX | .0263 | 86.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 3158617851 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.72 | 79.72 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 3158617853 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617854 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158617860 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617861 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.5 | 74.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617862 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0813 | AVM |  |  |  |  |  | $XXX | $XXX | -.0813 | 87.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158617865 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.3 | 78.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 3158617866 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.83 | 75.83 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617869 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617872 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158617874 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617879 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617884 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.98 | 50.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| 3158617885 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 27.9 | 27.9 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158617886 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.94 | 75.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 3158617887 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3158617888 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0780 | AVM |  |  |  |  |  | $XXX | $XXX | .0780 | 94.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 3158617889 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617893 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0393 | AVM |  |  |  |  |  | $XXX | $XXX | -.0393 | 89.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 3158617897 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.69 | 76.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617899 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617904 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.97 | 58.97 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 3158617906 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617907 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 3158617912 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | -.0856 | AVM |  |  |  |  |  | $XXX | $XXX | -.0856 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 3158617915 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617919 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3158617922 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617927 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.64 | 23.64 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3158617928 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 62.19 | 62.19 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158617929 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.24 | 38.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158617932 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617933 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617935 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 3158617936 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617941 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0099 | AVM |  |  |  |  |  | $XXX | $XXX | -.0099 | 81.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 3158617945 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3158617947 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0565 | AVM |  |  |  |  |  | $XXX | $XXX | -.0565 | 95.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 3158617952 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 3158617955 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.71 | 43.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617956 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158617958 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617962 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.67 | 75.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3158617963 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617964 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.78 | 79.78 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 3158617965 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.04 | 75.04 |  |  |  |  | $XXX | $XXX | .1173 | AVM |  |  |  |  |  | $XXX | $XXX | .1173 | 91.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 3158617966 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 3158617970 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617972 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617973 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617975 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 3158617976 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.77 | 67.77 | $XXX | $XXX | .1431 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1431 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617981 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.76 | 63.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 3158617983 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 3158617986 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617987 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617990 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.23 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617991 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.84 | 79.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158617993 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0466 | AVM |  |  |  |  |  | $XXX | $XXX | .0466 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 3158617994 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158617995 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 3158617998 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0558 | AVM |  |  |  |  |  | $XXX | $XXX | .0558 | 92.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3158618001 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.98 | 79.98 |  |  |  |  | $XXX | $XXX | -.0417 | AVM |  |  |  |  |  | $XXX | $XXX | -.0417 | 79.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158618002 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.88 | 48.88 |  |  |  |  | $XXX | $XXX | .0701 | AVM |  |  |  |  |  | $XXX | $XXX | .0701 | 79.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158618004 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 3158618007 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.49 | 79.49 |  |  |  |  | $XXX | $XXX | .0400 | AVM |  |  |  |  |  | $XXX | $XXX | .0400 | 97.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158618010 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3158618012 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0618 | AVM |  |  |  |  |  | $XXX | $XXX | .0618 | 83.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 3158618013 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.17 | 79.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3158618027 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618030 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.22 | 62.22 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158618039 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0962 | AVM |  |  |  |  |  | $XXX | $XXX | .0962 | 86.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 3158618041 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0126 | AVM |  |  |  |  |  | $XXX | $XXX | .0126 | 97.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158618042 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0169 | AVM |  |  |  |  |  | $XXX | $XXX | .0169 | 86.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3158618050 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.36 | 79.36 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3158618052 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.34 | 38.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618053 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 32.08 | 32.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158618055 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 3158618058 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.86 | 48.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158618062 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.3 | 75.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618070 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3158618071 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0564 | AVM |  |  |  |  |  | $XXX | $XXX | -.0564 | 84.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 3158618076 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 3158618080 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.47 | 74.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618081 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.45 | 56.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 3158618082 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0146 | AVM |  |  |  |  |  | $XXX | $XXX | -.0146 | 97.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 3158618088 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158618090 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.4 | 62.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 3158618093 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158618094 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.93 | 38.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3158618097 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.61 | 68.61 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158618104 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618112 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 3158618114 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.14 | 57.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 3158618123 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618124 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 3158618130 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .1442 | AVM |  |  |  |  |  | $XXX | $XXX | .1442 | 83.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 3158618131 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.27 | 76.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158618138 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158618145 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0666 | AVM |  |  |  |  |  | $XXX | $XXX | -.0666 | 88.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 3158618148 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.23 | 75.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618149 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 3158618151 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3158618153 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.37 | 49.37 |  |  |  |  | $XXX | $XXX | .0958 | AVM |  |  |  |  |  | $XXX | $XXX | .0958 | 79.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 3158618155 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 3158618157 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.45 | 44.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 3158618160 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.51 | 57.51 |  |  |  |  | $XXX | $XXX | .0101 | AVM |  |  |  |  |  | $XXX | $XXX | .0101 | 81.0 | 0.1 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 3158618162 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.0 | 73.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618163 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618166 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.55 | 74.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618170 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0528 | AVM |  |  |  |  |  | $XXX | $XXX | .0528 | 89.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 3158618174 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.5 | 59.5 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 3158618176 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618178 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.48 | 54.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 3158618180 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .1672 | AVM |  |  |  |  |  | $XXX | $XXX | .1672 | 85.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 3158618181 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.28 | 59.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618182 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 3158618187 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 3158618188 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 3158618189 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 3158618192 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.0 | 45.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 3158618193 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 3158618194 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 3158618195 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 3158618197 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0615 | AVM | $XXX | $XXX | -.0802 | XX/XX/XXXX | 1004 URAR | $XXX | $XXX | .0615 | 84.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 3158618199 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 69.99 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618207 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0476 | AVM |  |  |  |  |  | $XXX | $XXX | .0476 | 94.0 | 0.06 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.9 |  |
| 3158618210 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618212 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.87 | 77.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618213 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618215 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.24 | 70.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 3158618216 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618217 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 3158618218 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.8 | 57.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 3158618221 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.62 | 79.62 |  |  |  |  | $XXX | $XXX | .0256 | AVM |  |  |  |  |  | $XXX | $XXX | .0256 | 89.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 3158618222 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.28 | 76.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 3158618231 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 26.26 | 26.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618233 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618241 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618243 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.69 | 75.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 3158618244 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  | $XXX | $XXX | .0014 | AVM |  |  |  |  |  | $XXX | $XXX | .0014 | 82.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 3158618248 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0437 | AVM |  |  |  |  |  | $XXX | $XXX | -.0437 | 90.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 3158618250 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.57 | 78.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 3158618254 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.5 | 57.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618255 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618256 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 3158618260 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618261 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 3158618262 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.0 | 55.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 3158618264 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 3158618266 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.7 | 58.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 3158618267 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0354 | AVM |  |  |  |  |  | $XXX | $XXX | -.0354 | 85.0 | 0.09 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |

---

## Exhibit 99.3

[J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G](chase-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Originator Loan ID** | **Client Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| XXX | 3158617334 | Qualifying Interest Rate | 7.412 | 7.5 | FALSE |
| XXX | 3158617337 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617337 | Qualifying Interest Rate | 7.540 | 7.5 | FALSE |
| XXX | 3158617357 | Qualifying Interest Rate | 7.532 | 7.625 | FALSE |
| XXX | 3158617365 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617365 | Qualifying Interest Rate | 7.569 | 7.75 | FALSE |
| XXX | 3158617374 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617374 | Qualifying Interest Rate | 7.715 | 7.875 | FALSE |
| XXX | 3158617382 | Qualifying Interest Rate | 7.818 | 7.875 | FALSE |
| XXX | 3158617386 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617391 | Qualifying Interest Rate | 7.816 | 7.875 | FALSE |
| XXX | 3158617392 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617393 | Qualifying Interest Rate | 7.817 | 7.875 | FALSE |
| XXX | 3158617396 | Qualifying Interest Rate | 9.250 | 7.875 | FALSE |
| XXX | 3158617400 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617401 | Qualifying Interest Rate | 7.782 | 7.875 | FALSE |
| XXX | 3158617406 | Qualifying Interest Rate | 7.817 | 7.875 | FALSE |
| XXX | 3158617409 | Qualifying Interest Rate | 7.816 | 7.875 | FALSE |
| XXX | 3158617413 | Qualifying CLTV | 80.00 | 77.82 | FALSE |
| XXX | 3158617413 | Qualifying Interest Rate | 7.656 | 8.0 | FALSE |
| XXX | 3158617413 | Qualifying LTV | 80.00 | 77.82 | FALSE |
| XXX | 3158617413 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617415 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617420 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617420 | Qualifying Interest Rate | 8.063 | 6.625 | FALSE |
| XXX | 3158617421 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617421 | Qualifying FICO | 747 | 751 | FALSE |
| XXX | 3158617423 | Qualifying Total Debt Income Ratio | 38.69 | 41.84 | FALSE |
| XXX | 3158617431 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617431 | Number of Mortgaged Properties | 3 | 1 | FALSE |
| XXX | 3158617431 | Qualifying Interest Rate | 7.875 | 7.375 | FALSE |
| XXX | 3158617432 | Qualifying Interest Rate | 7.851 | 6.875 | FALSE |
| XXX | 3158617437 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617437 | Qualifying Interest Rate | 7.906 | 6.25 | FALSE |
| XXX | 3158617439 | Qualifying Interest Rate | 7.906 | 6.625 | FALSE |
| XXX | 3158617445 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617446 | Qualifying Interest Rate | 8.021 | 7.5 | FALSE |
| XXX | 3158617447 | Qualifying Total Debt Income Ratio | 38.46 | 35.1 | FALSE |
| XXX | 3158617447 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617448 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617449 | Qualifying Interest Rate | 8.021 | 7.5 | FALSE |
| XXX | 3158617455 | Qualifying Total Debt Income Ratio | 34.79 | 28.62 | FALSE |
| XXX | 3158617455 | Qualifying Interest Rate | 8.062 | 7.0 | FALSE |
| XXX | 3158617462 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617462 | Qualifying Interest Rate | 7.817 | 7.875 | FALSE |
| XXX | 3158617463 | Number of Mortgaged Properties | 1 | 2 | FALSE |
| XXX | 3158617463 | Qualifying Interest Rate | 6.125 | 7.875 | FALSE |
| XXX | 3158617468 | Qualifying CLTV | 80.00 | 76.67 | FALSE |
| XXX | 3158617468 | Qualifying Interest Rate | 7.851 | 7.0 | FALSE |
| XXX | 3158617468 | Qualifying LTV | 80.00 | 76.67 | FALSE |
| XXX | 3158617472 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617472 | Qualifying Interest Rate | 7.851 | 6.375 | FALSE |
| XXX | 3158617477 | Qualifying Interest Rate | 7.906 | 6.875 | FALSE |
| XXX | 3158617497 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617499 | Qualifying Interest Rate | 7.817 | 7.875 | FALSE |
| XXX | 3158617508 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617508 | Qualifying Interest Rate | 8.064 | 7.5 | FALSE |
| XXX | 3158617511 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617511 | Qualifying Interest Rate | 8.064 | 7.25 | FALSE |
| XXX | 3158617515 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617519 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617523 | Qualifying Interest Rate | 8.070 | 7.875 | FALSE |
| XXX | 3158617529 | Qualifying Interest Rate | 8.071 | 7.75 | FALSE |
| XXX | 3158617531 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617531 | Number of Mortgaged Properties | 1 | 2 | FALSE |
| XXX | 3158617531 | Qualifying Interest Rate | 8.071 | 7.625 | FALSE |
| XXX | 3158617532 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617540 | Qualifying Interest Rate | 6.375 | 7.125 | FALSE |
| XXX | 3158617542 | Qualifying Interest Rate | 6.557 | 6.875 | FALSE |
| XXX | 3158617543 | Qualifying Interest Rate | 6.875 | 7.0 | FALSE |
| XXX | 3158617550 | Qualifying Interest Rate | 7.308 | 7.25 | FALSE |
| XXX | 3158617551 | Qualifying Interest Rate | 7.375 | 7.25 | FALSE |
| XXX | 3158617552 | Qualifying Interest Rate | 7.308 | 7.375 | FALSE |
| XXX | 3158617553 | Qualifying Interest Rate | 6.978 | 7.0 | FALSE |
| XXX | 3158617556 | Qualifying Interest Rate | 7.574 | 7.75 | FALSE |
| XXX | 3158617559 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617563 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617563 | Qualifying Interest Rate | 7.309 | 7.625 | FALSE |
| XXX | 3158617566 | Qualifying Interest Rate | 7.431 | 7.375 | FALSE |
| XXX | 3158617567 | Qualifying Interest Rate | 7.343 | 7.5 | FALSE |
| XXX | 3158617568 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617568 | Qualifying Interest Rate | 7.500 | 7.625 | FALSE |
| XXX | 3158617571 | Qualifying Interest Rate | 7.412 | 7.625 | FALSE |
| XXX | 3158617572 | Qualifying Interest Rate | 7.412 | 7.375 | FALSE |
| XXX | 3158617574 | Qualifying Interest Rate | 7.412 | 7.625 | FALSE |
| XXX | 3158617579 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617592 | Qualifying Interest Rate | 8.070 | 7.0 | FALSE |
| XXX | 3158617593 | Qualifying Total Debt Income Ratio | 18.19 | 23.16 | FALSE |
| XXX | 3158617593 | Qualifying Interest Rate | 8.070 | 7.5 | FALSE |
| XXX | 3158617601 | Qualifying Total Debt Income Ratio | 36.47 | 40.05 | FALSE |
| XXX | 3158617601 | Qualifying Interest Rate | 8.080 | 7.875 | FALSE |
| XXX | 3158617602 | Qualifying Interest Rate | 8.072 | 7.5 | FALSE |
| XXX | 3158617606 | Property City | XXX | XXX | FALSE |
| XXX | 3158617609 | Number of Mortgaged Properties | 2 | 3 | FALSE |
| XXX | 3158617609 | Qualifying Interest Rate | 8.072 | 7.25 | FALSE |
| XXX | 3158617610 | Number of Mortgaged Properties | 1 | 2 | FALSE |
| XXX | 3158617613 | Number of Mortgaged Properties | 3 | 2 | FALSE |
| XXX | 3158617613 | Qualifying Interest Rate | 8.077 | 7.75 | FALSE |
| XXX | 3158617616 | Qualifying Interest Rate | 8.064 | 6.875 | FALSE |
| XXX | 3158617619 | Qualifying Interest Rate | 8.067 | 7.25 | FALSE |
| XXX | 3158617620 | Qualifying Total Debt Income Ratio | 39.20 | 35.94 | FALSE |
| XXX | 3158617620 | Number of Mortgaged Properties | 1 | 2 | FALSE |
| XXX | 3158617633 | Qualifying Interest Rate | 7.606 | 6.75 | FALSE |
| XXX | 3158617634 | Qualifying Interest Rate | 8.875 | 6.875 | FALSE |
| XXX | 3158617638 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617638 | Qualifying Interest Rate | 8.074 | 7.25 | FALSE |
| XXX | 3158617640 | Qualifying Interest Rate | 8.077 | 7.0 | FALSE |
| XXX | 3158617641 | Qualifying Interest Rate | 7.594 | 6.75 | FALSE |
| XXX | 3158617646 | Qualifying Interest Rate | 8.074 | 7.25 | FALSE |
| XXX | 3158617648 | Number of Mortgaged Properties | 21 | 1 | FALSE |
| XXX | 3158617648 | Qualifying Interest Rate | 8.077 | 6.875 | FALSE |
| XXX | 3158617653 | Qualifying Interest Rate | 8.091 | 6.875 | FALSE |
| XXX | 3158617657 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617657 | Qualifying Interest Rate | 8.101 | 6.75 | FALSE |
| XXX | 3158617663 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617663 | Qualifying Interest Rate | 8.091 | 6.875 | FALSE |
| XXX | 3158617670 | Qualifying Interest Rate | 8.125 | 6.875 | FALSE |
| XXX | 3158617674 | Qualifying Interest Rate | 8.091 | 7.375 | FALSE |
| XXX | 3158617677 | Property Type | Condominium High Rise | Condominium | FALSE |
| XXX | 3158617677 | Number of Mortgaged Properties | 5 | 6 | FALSE |
| XXX | 3158617684 | Qualifying Interest Rate | 7.607 | 7.25 | FALSE |
| XXX | 3158617700 | Qualifying Interest Rate | 7.345 | 6.625 | FALSE |
| XXX | 3158617703 | Qualifying Interest Rate | 7.607 | 7.25 | FALSE |
| XXX | 3158617708 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617708 | Qualifying Interest Rate | 7.625 | 6.875 | FALSE |
| XXX | 3158617709 | Qualifying Interest Rate | 7.563 | 7.0 | FALSE |
| XXX | 3158617717 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617717 | Qualifying Interest Rate | 7.511 | 6.625 | FALSE |
| XXX | 3158617719 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617719 | Qualifying Interest Rate | 7.449 | 6.75 | FALSE |
| XXX | 3158617731 | Qualifying Total Debt Income Ratio | 19.79 | 14.77 | FALSE |
| XXX | 3158617731 | Qualifying Interest Rate | 7.511 | 6.875 | FALSE |
| XXX | 3158617737 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617742 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617742 | Qualifying Interest Rate | 7.606 | 6.875 | FALSE |
| XXX | 3158617744 | Qualifying Interest Rate | 7.606 | 6.625 | FALSE |
| XXX | 3158617745 | Qualifying Interest Rate | 7.606 | 7.125 | FALSE |
| XXX | 3158617751 | Qualifying Total Debt Income Ratio | 28.58 | 31.68 | FALSE |
| XXX | 3158617763 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617766 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617766 | Qualifying FICO | 800 | 786 | FALSE |
| XXX | 3158617770 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617778 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617781 | Qualifying Total Debt Income Ratio | 41.42 | 45.08 | FALSE |
| XXX | 3158617781 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617783 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617793 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617804 | Property Type | Condominium | Condominium High Rise | FALSE |
| XXX | 3158617804 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617811 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617819 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617824 | Property Type | Condominium High Rise | Condominium | FALSE |
| XXX | 3158617824 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617826 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617827 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617827 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617840 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617842 | Qualifying CLTV | 80.00 | 77.61 | FALSE |
| XXX | 3158617842 | Qualifying LTV | 80.00 | 77.61 | FALSE |
| XXX | 3158617843 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617850 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617851 | Number of Mortgaged Properties | 1 | 2 | FALSE |
| XXX | 3158617854 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617860 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617861 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617865 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617865 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617866 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617869 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617872 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617879 | Qualifying Total Debt Income Ratio | 32.79 | 37.18 | FALSE |
| XXX | 3158617879 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617884 | Qualifying Total Debt Income Ratio | 41.85 | 38.76 | FALSE |
| XXX | 3158617885 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617886 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617886 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617889 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617893 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617899 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617904 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617906 | Qualifying Total Debt Income Ratio | 37.91 | 30.61 | FALSE |
| XXX | 3158617906 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617907 | Property Type | Single Family Detached | Single Family Attached | FALSE |
| XXX | 3158617907 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617912 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617915 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617915 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617919 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617922 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617927 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158617932 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617936 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617947 | Property Type | Single Family Detached | PUD | FALSE |
| XXX | 3158617947 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617952 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617962 | Qualifying CLTV | 77.70 | 75.67 | FALSE |
| XXX | 3158617962 | Qualifying LTV | 77.70 | 75.67 | FALSE |
| XXX | 3158617962 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158617965 | Property Type | Single Family Detached | Single Family Attached | FALSE |
| XXX | 3158617966 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617973 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617976 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617986 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617986 | Qualifying FICO | 768 | 744 | FALSE |
| XXX | 3158617990 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617990 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158617991 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617994 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617995 | Qualifying Total Debt Income Ratio | 40.49 | 34.51 | FALSE |
| XXX | 3158617995 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158617998 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618001 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618001 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618004 | Property Type | Condominium High Rise | Condominium | FALSE |
| XXX | 3158618007 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618010 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618012 | Property Type | Single Family Detached | Single Family Attached | FALSE |
| XXX | 3158618012 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618013 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618013 | Qualifying Interest Rate | 7.625 | 7.75 | FALSE |
| XXX | 3158618027 | Property Type | Condominium High Rise | Condominium | FALSE |
| XXX | 3158618027 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618030 | Qualifying Total Debt Income Ratio | 14.97 | 19.74 | FALSE |
| XXX | 3158618030 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618050 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618055 | Number of Mortgaged Properties | 5 | 4 | FALSE |
| XXX | 3158618055 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618090 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618104 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618124 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618131 | Qualifying FICO | 772 | 782 | FALSE |
| XXX | 3158618131 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618145 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618149 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618151 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618153 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618157 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618160 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618178 | Qualifying Interest Rate | 8.000 | 7.875 | FALSE |
| XXX | 3158618182 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618187 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618189 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618193 | GSE Eligible Flag | No | Yes | FALSE |
| XXX | 3158618193 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618195 | Qualifying Interest Rate | 8.000 | 7.875 | FALSE |
| XXX | 3158618197 | Qualifying Total Debt Income Ratio | 33.86 | 30.14 | FALSE |
| XXX | 3158618197 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618199 | Qualifying Total Debt Income Ratio | 31.44 | 26.06 | FALSE |
| XXX | 3158618207 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618207 | Qualifying Interest Rate | 8.125 | 8.0 | FALSE |
| XXX | 3158618210 | Qualifying Total Debt Income Ratio | 41.46 | 37.59 | FALSE |
| XXX | 3158618213 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618215 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618217 | Property Type | Single Family Detached | Single Family Attached | FALSE |
| XXX | 3158618217 | Number of Mortgaged Properties | 2 | 1 | FALSE |
| XXX | 3158618217 | Qualifying FICO | 709 | 703 | FALSE |
| XXX | 3158618218 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618221 | Sales Price | $XXX | $XXX | FALSE |
| XXX | 3158618222 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618233 | Qualifying Total Debt Income Ratio | 40.69 | 26.93 | FALSE |
| XXX | 3158618241 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618244 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618248 | Qualifying Total Debt Income Ratio | 42.85 | 38.52 | FALSE |
| XXX | 3158618248 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618250 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618254 | Number of Mortgaged Properties | 2 | 3 | FALSE |
| XXX | 3158618255 | Qualifying Total Debt Income Ratio | 40.88 | 19.98 | FALSE |
| XXX | 3158618260 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618261 | Qualifying Total Debt Income Ratio | 38.23 | 31.98 | FALSE |
| XXX | 3158618261 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618264 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXX | 3158618266 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |

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